Online Credit Report Monitoring Service
Does anybody know of service in which you can review your credit report on an ongoing basis without it actually counting as an inquiry? I have heard of such a service but can not recall any names. Any recommendations would be appreciated.
www.myfico.com offers a service similar to that. http://www.eloan.com offers one also. The Eloan one isn't a FICO score, but I've compared my FICO with the thing that Eloan uses, and they're usually within a point or two of each other, and Eloan is only like $30.00 for a year's worth of monitoring, and they check it monthly, sending you an email that your report's ready.
Experian has a credit report monitring where you can access all 3 credit bureaus at the same time... No credit dings for doing so, either!
Good Luck!
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The Experian service also has a simulator that takes you file and then lets you change details to see what impact the change will have to your score.
John
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not all these integrated service allow full access to items in your credit files.
I just pulled reports via myfico,while they do like all the inquires in he last 12 months (v. 24 I believe on a "real" report), the donot disclose the full name / address of the person pulling the report.
Sure, I can deal w/ the 3-CRAs, but would pref. dealing w/ 1 "puller" of my report