credit watch

[adamjlaw]

Are there any companies I can sign up with that will allow me access to my credit report from all three companies as well as my credit score. If possible I would like to sign up my wife and myself in one monthly payment.

[Keebler]

Are there any companies I can sign up with that will allow me access to my credit report from all three companies as well as my credit score. If possible I would like to sign up my wife and myself in one monthly payment.

I've got a Costco executive membership and I get all three scores and reports monthly through IdentityGuard for $7.49 per person. The price is a bit higher with a regular membership.

I don't think I'd recommend going directly to IdentityGuard because the service isn't as good and the prices are higher.

[xboxfan]

Check out Truecredit. They provide unlimited daily updates to your Transunion report/score and you can get a 3-in-1 report/score update once a month. The monthly cost is $14.95.

[monkatom]

I use Costco as well for both my wife and I at 7.49 a month. they actually have coupons once in awhile as well for three months service for the price of one.

[monkatom]

Keebler are the three scores that are provided FACO scores or true FICO scores?

[PaKettle]

There seems to be no way to get it cheap.
You can sign up for a free trial at Experian which will give you ONE Plus (faco) score and one Experian score but you have to make sure you cancel within 9 days or you'll get charged.

The best way to get cheap credit reports is the free annual credit report. Once you get this, if you file disputes you can virtually get your 3 free scores indefintely free because once you file a dispute you get to access your report for like 60 days so if you file one dispute every 59 days you can continue getting free acess to your reports.
It's not that hard to find things to dispute. On most reports there are ALWAYS errors of one kind or another!

If you don't already have a CostCo membership then it doesn't seem to be worth it just for the credit monitoring. And are they FICO or FAKE-O? What kills me is there used to be just ONE true FICO score but now there are 3! Just another way the credit industry rips consumers off!

TrueCredit is okay but it's not always accurate as compared to the actual individual reports - that's why I cancelled mine.

[Logan]

I signed up for credit watch since I'm looking at getting a mortgage.

My scores were 651 654 and 686

My REAL FICO scores are 666 684 and 698.

FICO was better than FACO.....

Logan