- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Unless you are planning to apply for a mortgage, business loan, etc. or are a recent victim of identity theft, I personally see no reason to waste your money on credit score reports/credit monitoring.
You can have the reporting agencies lock down your report for free so no new accounts can be opened without your consent. There also are free services you can use to get a ballpark idea of what your CS is doing.
I happen to have credit monitoring via my AAA membership. Every month they send me an email telling me if there were any changes in my credit report. It does not report score, however.
I've said elsewhere on this forum that the banks, credit card monitoring firms, etc. have gone out of their way to create credit score hysteria among the general public so they can then sell you data that should be yours for free. BTW, you can get your credit report from each of the reporting agencies for free.
I hate seeing people waste money on this stuff. Sorry if I've offended anyone.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.