Where can you check your credit score on a daily basis?

For just about anything you want to get off your chest about credit cards.
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paparoach429
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Where can you check your credit score on a daily basis?

Postby paparoach429 » Mon Oct 08, 2012 11:44 pm

Anyone have an account on a website that les you check your credit score daily? Does anybody out there have one of those like $10 or $15 dollar a month accounts for those websites that let you check your credit daily through Experian etc?.. Whats the benefit of having this as apposed to Credit Karma?


itsmeandrew
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Postby itsmeandrew » Tue Oct 09, 2012 2:41 am

I use mycreditinform.com I got suckered into it back with my first credit card, Capital One of course. It's $5.99/mo and I actually find it really useful. It gives monthly scores and a quarterly update with brief overviews of your past credit history like what accounts you've opened, when, and most importantly your FICO score.

Each month it gives separate updates on each account that is open. New balance reported, new opened accounts, credit limits/CLI, etc.

I've thought about closing it a few times, but it's always come in handy.

As opposed to Credit Karma where you get a generalization and estimation.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)


TU (Discover): 760

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djrez4
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Postby djrez4 » Tue Oct 09, 2012 7:54 am

Eliminate Identity Theft - http://www.eliminateidtheft.com/ (through My Privacy Matters)
USAA Credit Check Monitoring - https://www.usaa.com/inet/pages/creditcheck_monitoring_main
American Express Credit Secure - https://www295.americanexpress.com/premium/credit-report-monitoring/home.do
SmartCredit - www.smartcredit.com
Equifax Complete - http://www.equifax.com/3in1-credit-monitoring-3-scores/

I've used all of them at one point or another. I like the USAA and Amex versions the best, but you have to be a member to get them. Excluding those, EIDT provides the most information but has the worst interface; EC is robust for Equifax, but lacks the other two bureaus; SmartCredit is Transunion only.

There are other services out there, but the above are the only ones I know of that let you request reports daily.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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FutureBillionaire
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Postby FutureBillionaire » Tue Oct 09, 2012 11:03 am

I use Equifax complete. It is pretty solid. I haven't looked into the Amex solution. I probably should.
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

Daniel
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Postby Daniel » Tue Oct 09, 2012 11:24 am

There is always Quizzle, or Credit Sesamie which pull from Experian, but I don't believe that they allow one to pull daily, and they are free.

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djrez4
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Postby djrez4 » Tue Oct 09, 2012 1:11 pm

paparoach429 wrote: Whats the benefit of having this as apposed to Credit Karma?


I forgot to answer this part. The benefit is that you can actually see how things are reporting. Credit Karma keeps you up to date on changes and gives you a general look at your report, but doesn't give you specifics like payment history, creditor contact info, etc.
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DavidNY
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Postby DavidNY » Tue Oct 09, 2012 5:02 pm

I like Credit Karma.

paparoach429
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Postby paparoach429 » Tue Oct 09, 2012 10:00 pm

And quizzle and credit sesame are free non hard hit websites? lol

paparoach429
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Postby paparoach429 » Tue Oct 09, 2012 10:29 pm

So i just checkout of my report through Quizzle and it shows my credit score at 684! Credit karma had it at 654.. Also Quizzle was only showing 6/7 cards and only 6 hard inquiries whereas Credit Karma shows all 7 of my credit cards and 8 hard inquiries. Whose right!?

Daniel
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Postby Daniel » Wed Oct 10, 2012 1:01 pm

Quizzle is supposed to offer a score similar to a FICO score algoritm generated by CE analytics based on Experian data. Credit Karma pulls the TransRisk Account Management Score from TransUnion data. This score is often regarded as Trans Union's implementation of the FICO algorithm. As you can see, each bureau has different information about you, which is very common as this is true for the vast majority of individuals. Because of this, even if the two bureaus used the same algorithm, they would come up with different scores. Because some credit companies actually pull a TransRisk Score for use in card and loan approvals, I would add more weight to this score.

In this case, I like to approach the scores like this; my lowest score shown is a 654, which is around the 50-60th percentile, and 684 on CE analytics score is around the 55-65th percentile. That means that my inherent borrower rank is most likely in the 55-60th percentile.



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