Credit monitoring services

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Credit monitoring services

Postby MemberSince99 » Fri Jul 06, 2012 4:13 pm

I am hoping to find out which services you guys use and what you think of them.

I will post my expeirence here. I've only used the Credit Secure that Amex offers, I got the unlimited (once per day) daily pulls of all 3 reports and FAKO scores for 24.95 a month. The scores obviously ar enot FICO and have to be taken with a grain of salt - my FICOs were consistently about 50 to 60 points higher than my FAKOs were.

It gave you the option to set alerts when new accounts opened and there were inquiries, and if your score hit a certain level. There was an option to list all your cards for lost wallet protection, and they offered help if your identity was stolen.

For me personally it was worth it, but since I no longer have Amex it's not currently an option. If that changes and I am thinking of applying for Zync again (though that's the only Amex I want) I'll probably go with this.

What about you guys what have you used and how do you like it?

By the way the unlimited daily pulls for 24.95 is not easily found you have to google Credit Secure Unlimited to find the link. Just an FYI.

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Postby jeffysdad » Fri Jul 06, 2012 4:27 pm

I think credit monitoring is completely unnecessary and a waste of money. However, I have it as a side benefit to a AAA membership (which also is probably a waste of money). They send me an email once a month letting me know whether there's been any activity in my report, e.g., new account opened, etc.

The only people who might need this are those who have recently been victims of identity theft, imo.
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%).
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Postby MemberSince99 » Fri Jul 06, 2012 4:46 pm

Actually it is of potentially very little use in the case of identity theft, depending on the creditor.

Case in point - I got a Discover More card in April however it did not report to the CRAs until June. Cap One also typically doesn't report for two months, and even Amex on 2 of 3 cards I had with them took a while to report. By the time you see the items on your report, the damage could well be long since done.

The only REAL way to protect yourself is freeze your credit and then unfreeze when/if you need something. Most of us won't do that, so this is the next best thing, but it's far from great, I can tell you that from experience.

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Postby DeadSpider » Fri Jul 06, 2012 6:19 pm

How about Life lock ? I think it starts at $99 a year not sure about FICO score
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014

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Postby Ratfacedudeguy » Fri Jul 06, 2012 6:30 pm

I like Discover's credit score tracker and I use that in conjunction with Amex credit secure for the time being, just until I figure out for sure which one I like better. I don't believe the Discover service does the email monitoring alerts or anything, but you do get unlimited daily Experian reports and a monthly 3 bureau report. It's pretty cheap too at I believe $99/year, which is cheaper than the monthly subscription.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

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