CreditCheckTotal

About a week ago I found out about this site called CreditCheckTotal.com which appears to be brought to us by Experian. I was complaining that my EX FICO was not updating on myFICO and someone mentioned it. The cost is $29.95 per month, and gives you the credit score daily for Experian, daily credit reports for Experian, and 3x each month you get the FICO score for TU and EQ. This is a much better deal than the $24.95 with myFICO where you get the full report once a year. I was impressed enough with the $1 trial enough to cancel my EX monthly subscription and also my myFICO subscription. I found out if you call to cancel your trial subscription from CreditCheckTotal that they will offer a discount. I called tonight and the kind lady asked what I was looking for in the service so I mentioned fraud monitoring as well as updated FICO scores. She said she hated to see me go so offered me $14.97 per month for the next 2 years, and I can cancel any time. Can't beat that!! Just thought I'd pass this along. Check out their $1 trial for a week.

Vulcan1600 wrote:
Revelate wrote:
Competition is good! Thank you for sharing Vulcan!I think it's a great deal, but I certainly am not trying to diss myFICO either. Love the forums and would pay for something similar with myFICO 3 Bureau reports here. People need slightly different things out of monitoring solutions - I don't think there's ever going to be one size fits all with how the industry is setup unless it offered literally everything (all scores, all the time, unlimited pulls) for free as in beer, or similar. Wasn't being tongue-in-cheek; MF has a good product in my opinion, but it has limitations too. I could make the argument the current MF product was driven by competition, which in turn is driving others to improve their services. What is interesting to me is seeing them drop their shorts on the pricing like that... could see doing that shilling for users for advertising dollars, but are they doing that? It'd be rare on a paid service, so it may just be they're charging what the market will bear and we'll get a price drop across the board as more competition goes. TBH regardless of some of the flack people here get for pushing MF products, I'm always, always in the corner of what's good for the consumer: more frequent access to reports and scores at a cheaper price point is unarguably good for the consumer.

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Finally made the 800 club!! To app spree or not to app spree...

So I've been waiting for my NFCU payoff to post after my credit card debt was consolidated onto a low interest personal loan. I've been saving up the CreditCheckTotal $1 trial until I noticed the balance was paid so I didn't have to wait for myFico to update (yes, I'm that impatient, you have no idea). Well, 3 days after the statement posted, EQ and EX were finally updated, and I went ahead with the CCT trial and got this: This is a first! I was in the 400s in 2011/2012 when I started on the rebuilding section of the board, so this has been a journey for me. Never would I have imagined I'd been in the 800s, especially with my horrible credit past. Now the dillema, I've been waiting for this so I could app for a few cards I've been wanting, mainly the Slate for the 0% BT offer, and the CSP to pair with my Freedom for rewards and the Amex BCE. Also considering one of the Chase hotel cards.. but now that I have an 800+ score, I'm not sure I want to apply anymore and ruin this great score! Don't know what to do.. decisions, decisions! I've been itching to go on an app spree....

Thanks everyone! Redeyz wrote:
Wonderful achievement! This is somewhat of a lifechanging moment since you've crossed a threshold you probably thought impossible. I have a couple questions though.- How much CC debt did you consolidate through the low interest personal loan?- And what score decrease did you see from getting an installment loan versus the point increase from paying off the CC debt? Was it neutral or more positive paying off the CC balances? I'd say...hold off and let that beautiful score of 805 stick around for a month, and in the meantime evaluate which card or cards best fit your longterm objectives and then apply in a month. Congrats again.The CC consolidation was about 20k @ 6.41% through SoFi and hasn't posted to my credit report. So I'm sure I'll take a small hit when that happens. According to the simulators, which have been mostly accurate, I'll drop 5 points. I'm still waiting for TU to post all of this months credit card payoffs, but they seem to be taking forever so I'm not sure what my score with them will be, but they've been consistent with Experian, so I hope they also put me > 800. The simulators also show that a new CC will drop me to 770.. I wanted to BT a majority of my loan over to the Slate assuming I could get a high SL with them, but something in me just wants to deal with the interest I'm paying on the loan (~$450ish by the time it's paid off) and keep the high score lol. I got in with my Mortgage at 3.375% when I hit the 700s in 2012, So aside from paying off this last consolidation loan, I have no other short term credit goals so technically I have room to play and wouldn't mind getting a few more cards to stiffen my AAOA for years down the road.

Other options to viewing credit score/report

I use CK to mainly check my score. Also get fico score on a few different cards I have. All which are completely different from each other. I am looking for a accurate way to check my reports aside from using annualcreditreport.com because im not due for the annualy one until november. Any good accurate ones out there, that aren't 50$? Appreciate it, Thanks

https://www.creditchecktotal.com

Who do the majority of you use to monitor your 3 credit scores? I am talking about a real FICO score

I am so confused about all of the monitoring services out there, I feel like all of it is a scam. Experian uses a different score than anyone else, Equifax and Transunion use a different scoring system. i was going to go with MYfico howvever online reviews of this company being hard to cancel , locking you into a nonrefundale contract etc; I have no idea who is a legit monitoring service or not. I actually called MyFico and the rep said there were never any specials and that the price is a solid $29.99 per month on a CC. Who do you guys use to monitor your credit and why? Thanks

I'm currently using myFICO and creditchecktotal, but will probably be dropping my subscription to myFICO and just buying reports here periodically. MyFico has the advantage of providing a wide range of different scores(the specialty ones for mortgage, auto, etc...) *when you pull a full report*(they're not updated when changes are detected) as well as just your general FICO 8 score(which is updated when changes are detected). Also their monitoring/alerts covers all 3 bureaus where CCT's monitoring/alerts only covers Experian(although you can pull the other two a few times a month at no extra cost, it just isn't going to check them automatically and send alerts for them). CCT has the advantage of a cleaner interface and cleaner report printouts(IMO they're cleaner and look much nicer, but I'm sure someone out there might prefer myFico's). They're also half the cost if you use the previous mentioned suggestion of signing up for the trial and then use the automated system to cancel and take them up on the offer it will give you.

Fix your systems

I cancelled my 3 credit bureau monitoring account five days ago because the service took a full four days to alert me to a change to my TU report that was reflected on CreditCheckTotal.com almost immediately. Besides the lackluster phone support and broken promise to follow through by an agent, the service overall is sorely lacking. Since I have cancelled the service, I have received two alerts. The alert emails can't be replied to so I tried to use https://www.myfico.com/help/contactus.aspx to request that I no longer receive alert emails. Unfortunately, this failed as well, with a message: The page you have requested is currently unavailable due to technical difficulties. Please try again later.Please rest assured that any information you may have entered up to this point is completely secure. If you entered payment information but did not complete your order, note that you may see a pre-authorization for the purchase price on your credit/debit card. These funds are held temporarily and will not be posted as an actual charge until your order is complete.We will make every effort to resolve this situation expeditiously. So, my experience for the past 33 days has included slow updates, poor phone support, a broken commitment, unwanted emails, and failure of the online support channel. Perhaps Fair Isaac Corporation will strive to get its act together. The current service is not commensurate with the price.

ahlsxinfinity we are very sorry that it has been such a hassle to get in touch with our customer service team. We work hard to provide you with several ways to get support whether it by by phone, chat, social media or online http://bit.ly/yN1P80 . Please let us know what we can do to help you right here.
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I'm Back! Need some Advice! Rebuild time! 6/19 UPDATE! 2nd UPDATE 7/6/15

WooHooooooo! Another quick update, only 5 minutes ago I found this link on credit karma http://www.creditonecards.com/pre-qualification.php?C1BSourceID=C1B1 that lets you prequalify for a credit card! Which I have tried many many many times only to recieve the message sorry we couldn't prequalify you at this time but here are some SECURED cards you may like which sucks! I decided to try one more time at this link and was totally surprised to get preapproval for a platinum card yay! Mind you, this card is probably the worst card to get and I will probably never ever use it, just need it to help with my utilization scores. The fees are high, the rates are high, the balance is low........but oh well I am still doing the happy dance!!!

izzesparks wrote:
Hi everyone! Long time no see! Just need some advice on what else I should be doing. I have been a part of this forum for many years now and I have taken and heeded so much advice that my head is about to explode and now I just want to make sure I am not forgetting anything. I tried to keep it short Last time I was on I hadn’t reached the 600 club yet. But I am here now in the 600 club! Still the low 600’s but its progress. Unfortunately slow progress because a lot has happened since I was last on here. I am now officially divorced. I finally have permanent steady income, no temp services anymore phew. I have had to reevaluate my budget and cut a lot of things out. No cable, no home phone, monitor my electric bill like a hawk and learn to like the darkness, cold in the winter and the heat in the summer. I have an older smart phone, had to do without the latest gadgets and gizmos, which truly hurts my heart because I am an electronic fiend. No tablets here, no high tech laptops. Instead of buying a new car and making payments I bought a really good used gas-efficient car cash, paid in full. But since it’s still a newer car I am paying for full coverage insurance, my only splurge. I have spent this time away from this forum truly taking heed to the lessons I learned on here and reflecting on my situation. I have paid nearly everything off! It took some time but I only have 2 creditors left ‘that I know of’ to pay.One of the creditors has not reported to the bureaus yet but I want to take care of them before they do. Most of the ones I paid have already fallen off because of SOL. I was getting to the point I had the problem where I didn’t just have bad credit, I had NO credit. I hadn’t opened any new accounts until this year. Just today I opened a $500 Secured Personal loan and a few months ago I opened a $300 Secured Credit Card at my credit union. I also applied for a Quicksilver CapOne card and was approved for $300. I just started school this year and there is now a financial aid loan of $1750 that is reporting on my credit report as deferred right now. I tried to prequal for some more but was denied by all of them. So far only quicksilver would approve me. My plans are to move out of state next May and get an apartment for 6 months while I get the lay of the land and then purchase my FIRST home!! Hopefully everything has aged by then and I have had some CLI’s. My situation in a nutshell (Transunion was only report pulled) USED CREDITCHECKTOTAL TO PULL ALL 3 FICO REPORTS The good:UPDATES BELOW FROM 7/6/15SDFCU Visa Secured $300 – reporting paid on time every timeQuicksilver Unsecured $300 – not reporting yetSecured Personal Loan $500- not reporting yetUtility- reporting paid on time every timeNEW CARDS ADDED-Cap One Platinum MC Unsecured-not reporting yetVictoria Secret-not reporting yetMarisota-not reporting yetSent a Goodwill email for the Portfolio account listed below 6/1/15, now must wait patiently. UPDATE!! 7/6/15 SENT 3 GOODWILL LETTERS NO RESPONSE. The bad: DEBT RECOVERY SOLUTIONS- I PAID IN FULL ON 5/27/15 Haven't found a good email contact to send a GW letter, but the search continues....Original Creditor11 VERIZON MARYLAND INCStatus-OpenOpened Date-Mar 06, 2014Balance -$146 Collection Agency-FCOOriginal Creditor HERITAGE WOODSStatus -OpenOpened Date -Jan 21, 2011Responsibility – Joint (THIS IS IN BOTH MY NAME AND MY EX-HUSBAND, AND HE SAYS HE WILL HELP PAY, BUT HE IS NOT GREAT AT FOLLOW THRU)Balance- $1,912 (They have agreed to settle for less than owed for $978) STARTED PAYMENTS, ASKED SEVERAL TIMES FOR A PFD, EVEN ASKED A SUPERVISOR AND THE RESPONSE WAS A BIG FAT NO, SO I AM GOING TO GO THE GOODWILL ROUTE. Collection AgencyPORTFOLIO Recovery (I ALREADY PAID A SETTLEMENT FOR LESS THAN OWED, ON 5/27/15)Original Creditor HSBC BANK SENT GW LETTER, NO RESPONSEStatus -OpenOpened Date-Apr 15, 2013Balance -$518 Collection AgencyRECEIVABLE SOLUTION (PAID IN FULL ON 5/27/15) THEY HAVE AGREED TO DELETE YAY!Original Creditor MED1 AMERICAN CURRENT CAREStatus OpenOpened Date Jul 25, 2013Balance $101 Collection AgencyUNITED CONSUMERS (PAID IN FULL ON 5/27/15) THEY HAVE ALREADY DELETED FROM ALL 3 CRA'S YAY!Original Creditor MED1 EMERGENCY PHYSICStatus OpenOpened Date Oct 06, 2011Balance -$109 ACS/JP MORGAN (PAID IN FULL ON 2/25/15) Tried several times for a goodwill, no responseOriginal Creditor- Wells Fargo education servicesStatus- closedopen date- 04/2004balance- $3000 ACS/JP MORGAN (PAID IN FULL ON 2/25/15) Tried several times for a goodwill, no responseOriginal Creditor- Wells Fargo education servicesStatus- closedopen date- 04/2004balance- $800 ECMC (TRANSFERRED TO ACS/JP MORGAN) Tried several times for a goodwill, no responseOriginal Creditor- Wells Fargo education servicesStatus- closedopen date- 04/2004balance- $800 ECMC (TRANSFERRED TO ACS/JP MORGAN) Tried several times for a goodwill, no responseOriginal Creditor- Wells Fargo education servicesStatus- closedopen date- 04/2004balance- $3000 A new account was added to my credit report Trident asset - original creditor - Lowe's home improvementI disputed the account since I do not remember ever shopping there, claims I wrote a bad check. I don't even have a checkbook, never have. A new creditor sending letters to me now (boy they sure are coming out of the woodworks, not that I have started paying everyone off) NOT reporting to CRA's yet, going to try to take care of this next week before it does. Sooooooooooo what should I do know????!!!! Thanks in advance for any advice given!

CreditCheckTotal

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