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Old 12-02-2008, 06:59 PM
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Default Where to get daily credit reports

There are 3 or 4 recommended credit report sources / monitoring services. aaa credit guide recommends that I be aware of how many credit reports I am able to pull. However, I can't find anywhere on any of those sites where it says how many I'm allowed. Can you folks just give me your recommendations? Does freecreditreport.com offer unlimited daily credit reports? They say they do daily monitoring, is this the same thing? However, I noticed they only give you an experian score. Which service will give me all three SCORES and reports on a daily basis if I want...

Any ideas?

ntnsllc
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Old 12-03-2008, 06:17 PM
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One of my favs is truecredit.com
It gives you daily pulls (you can get an updated copy every 24 hrs) and it gives you scores for all 3. It's only about $12.00/mo

Another one (one that I use right now) is CreditSecure by Amex. Not sure if you can get it w/o an Amex acct though. It works pretty well and is pretty cheap.

Alot of them will let you have a free trial before you are obligated to pay........so you may want to just try some out before commiting to one (just don't forget to cancel the ones you don't want before they charge you).

As far as the scores though, each monitoring service has their own formula for calculating your scores. They aren't the real deal unless they are FICO scores. The scores you get from the monitoring companies are pretty much worthless. They serve as a guideline so that you can see if they are going up or down but that's about it.
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Old 12-03-2008, 10:20 PM
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I've heard of a lot of people using truecredit. I allows daily pulls. You must wait about 24 hours and one minute between each one though. I heard of plenty of people getting banned for trying to pull too much.

I did a free trial for freecreditreport.com once. I think it allows daily pulls. Think of it as the EX version of truecredit.
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