 | I'm repairing my credit. How can I monitor my credit score periodicallyfrom all 3 credit reporting agencies. |
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Question: I'm repairing my credit. How can I monitor my credit score periodically from all 3 credit reporting agencies.I'm 33 years old and in the process of rebuilding my credit from my reckless youth. I've paid off almost all my outstanding credit card debt and have a few new cards that I'm doing well with but I would like to watch my credit scores rise from all three reporting agencies (Equifax, TransUnion and Experian). I know the score has gone up some in the last few months and my ultimate goal is home ownership so I would like to monitor them.I went to myFICO.com but I believe that is a one-time kind of report/score. I'm looking for updated monitoring. Does anyone know of a RELIABLE company that will do this for me?
Answer: -You can spread out your free credit reports from each credit bureau thru out the year. Get them thru AnnualCreditReport.com. You will have to pay for the score ($6 to $8). But if you are just interested in score watching, MyFICO is the best place. You are getting real FICO scores and not the credit scoring system made up by the credit bureau. You will have to pay for the service. -Most of the credit companies offer some sort of monitoring that includes all three credit companies. I use freecreditreport.com. They monitor and alert you for changes on any of the services - including when you have inquiries, account reporting, etc etc. You can also periodically get all three credit reports an scores. The good thing about using such a service is that going through them, the credit inquiry you are producing does not appear on your report, so it doesn't work against those scores you're worried about.
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