Which credit score website is the best?

For just about anything you want to get off your chest about credit cards.
16 posts
DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Mon Dec 05, 2011 10:10 am

Why would anyone PAY for credit monitoring or getting scores. You can do it for free using creditkarma and ground that with an actual credit report from each credit bureau for free once a year. You can also get your FICO score free once a year.

I've used creditkarma for a couple of years now and have compared it to actual credit reports a couple of times. Their service is very accurate.


DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Mon Dec 05, 2011 10:15 am

jeffysdad wrote:I look at my CC score on a popular website that makes it's version of the score available for free. However, when I applied for a mortgage recently the bank reported back that the scores it got for me were considerably higher than what the free service was telling me.


That's been my experience as well. The score I get from the free site is a little lower, by 10-30 points. But it's close enough to get a good read of where you are. Your "true" score can vary by quite a bit on a daily basis depending on where you are in the reporting cycle for your cards so I don't think the difference matters that much.

NYC_Dweller
Centurion Member
Centurion Member
 
Posts: 192
Joined: Wed May 18, 2011 1:16 pm
Location: NYC

Postby NYC_Dweller » Wed Dec 07, 2011 11:07 am

has anyone tried and have first hand experience with the amex credit monitoring service?

GBPac11
 
Posts: 2
Joined: Thu Dec 01, 2011 6:19 pm
Location: Michigan

Postby GBPac11 » Fri Dec 09, 2011 4:57 am

I have actually tried the Discover Credit score monitoring service and have been pretty happy with it. I pay $9.99 per month and receive a 3 Bureau, once per month, score and report. However, they also offer an Experian score and report that one can update every 24 hours.

I currently have been trying out the myFICO.com free trial, with a Equifax report and score - have been extremely impressed with the Score Watch. I am a sucker for design and simplicity :oooo .

P.S. In all honesty I believe that there should be a standardized means of evaluating credit worthiness.

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Fri Dec 09, 2011 5:51 pm

I'm using equifax.com and paying about 159 a year for unlimited access to my equifax score and report and I get a discount for the other bureaus. I think I'm going to try Discover. That sounds like a better deal.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

User avatar
jumbo
Centurion Member
Centurion Member
 
Posts: 363
Joined: Wed Sep 14, 2011 3:17 am
Location: IA

Postby jumbo » Sat Dec 10, 2011 4:03 am

I tried discover once, the thing they offered me was $7.99 per month... with that you can see unlimited experian reports ... and CR from all three bureaus Once every three months ...
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 0 guests