True Credit, My Fico???

[dp1969]

I'm looking to pull our credit reports for scores, accuracy and general inquiry. We haven't pulled them since the BK and discharge. We have obtained two cc's and I'm now curious as to what our scores are. Some have mentioned True Credit on this forum and I've been told about myFico (FairIsaac).
I suppose I would like to be able to monitor it monthly (True Credit) but do you get an inquiry hit every time? I know with myFico you buy all three for $47.85 but I don't know if you pay it every time you want to see how your score/report is doing. myFico does have other products but the fee's are high.
Anyone have a suggestion/experience??

[brown153]

We used the the Equifax 3 in 1 with Score Power report which gave us all 3 reports and the Equifax FICO score. It was $14.95 which is charged after a month. So we'll just cancel within a month and it will be free. We also signed up for the Score Watch which is $9.95 a month, that keeps track of the FICO score. I think Myfico.com offers a similar product.

And if you check your own credit, it does not count as an inquiry and does not affect the score.

Whatever you do, make sure you check the FICO scores and not the consumer scores with a service like privacymatters.com. Those scores are pretty much worthless when it comes to any kind of financing.