Scruit Posted November 9, 2012 Report Share Posted November 9, 2012 I just canceled my membership. I originally go it while going through a debt payoff blitz, and kept it to keep an eye on my score as the debts dropped off.Fast forward a few years... I got an email from them saying their rate was going up from $12.95 to $19.95/mo. That made me realize that I haven't logged in there for a couple of years, it only covers me not my wife, and our bank offers a similar service that would be $12.95 for us both (FCR would be $40 for us both).I called them to cancel the membership and the next (well-rehearsed) words out of the agent's mouth were; "Are you canceling because of the rate increase, because we are willing to put your rate down to $8 a month, and we also offer...."I sense an exodus. Almost doubling the cost of a service will do that. Quote Link to comment Share on other sites More sharing options...
AWW$HEEET Posted November 9, 2012 Report Share Posted November 9, 2012 i think you can use it where it is actually "free". you are able to get your reports, just not your score. if you know you have a good score, just drop the paid service and monitor your reports. Quote Link to comment Share on other sites More sharing options...
magley64 Posted November 9, 2012 Report Share Posted November 9, 2012 www.creditkarma.comwww.creditsesame.comnever any charges from them for their basic service, and by signing up for both you can keep track of 2 of your 3 credit reports.They also have some interesting tools.I've found creditsesame to be more accurate on the score (at least in my case)do your freeannualcreditreport.com once a year for good measure and to keep tabs on the third report (even though they don't tell you a score) Quote Link to comment Share on other sites More sharing options...
ReconRat Posted November 9, 2012 Report Share Posted November 9, 2012 freecreditreport dot com is the one that started charging me twice a month, and I never signed up. I'm probably not a big fan. They did give all the money back though. Quote Link to comment Share on other sites More sharing options...
mello dude Posted November 9, 2012 Report Share Posted November 9, 2012 You are allowed to check you credit report completely free once a year. Dont pay for it! Quote Link to comment Share on other sites More sharing options...
magley64 Posted November 9, 2012 Report Share Posted November 9, 2012 (edited) You are allowed to check you credit report completely free once a year. Dont pay for it!yes, but that's once a year, and gives identity thieves potentially an entire year to scam you before you find out about it.The 2 sites I mentioned give you free access to your report and scores. The have advertising on the sites to cover the costs.Credit Sesame uses experianCredit Karma uses transunion Edited November 9, 2012 by magley64 Quote Link to comment Share on other sites More sharing options...
redkow97 Posted November 9, 2012 Report Share Posted November 9, 2012 I only check my credit score before making major purchases. When we bought our house 4 years ago, all my scores were around 800, and the wife's were slightly higher (which pissed me off, because I had purchased a car, and she had no comparable credit history).When we bought a car a couple of years later, the scores were essentially the same. We had more debt (the mortgage and my student loans), but that didn't seem to matter, because it wasn't credit card debt, and I hadn't missed or made any late payments. Quote Link to comment Share on other sites More sharing options...
Anden Posted November 9, 2012 Report Share Posted November 9, 2012 Each reporting company give one free look a year. I pull one every four months. Quote Link to comment Share on other sites More sharing options...
magley64 Posted November 9, 2012 Report Share Posted November 9, 2012 Each reporting company give one free look a year. I pull one every four months.Creditkarma can be updated every day, creditsesame seems to update once a monthequifax is the only one I need to check on the yearly site. Quote Link to comment Share on other sites More sharing options...
smashweights Posted November 9, 2012 Report Share Posted November 9, 2012 www.annualcreditreport.comFree, once per year credit report from each of the major companies. Get one every 4 months and check up. No scores. Quote Link to comment Share on other sites More sharing options...
LongDogRacing Posted November 9, 2012 Report Share Posted November 9, 2012 lifelock does all of the above and more for me... only 9 bucks a month full membership via the company i work for! Quote Link to comment Share on other sites More sharing options...
snot Posted November 9, 2012 Report Share Posted November 9, 2012 www.annualcreditreport.comFree, once per year credit report from each of the major companies. Get one every 4 months and check up. No scores.This is what i do. Quote Link to comment Share on other sites More sharing options...
magley64 Posted November 10, 2012 Report Share Posted November 10, 2012 if you're paying for a service, try the free ones I mentioned, and save yourself some money Quote Link to comment Share on other sites More sharing options...
stevemcgreen Posted November 10, 2012 Report Share Posted November 10, 2012 if you're paying for a service, try the free ones I mentioned, and save yourself some money I just signed up on credit karma.Nice free site. Quote Link to comment Share on other sites More sharing options...
jporter12 Posted November 10, 2012 Report Share Posted November 10, 2012 Hahaha! Credit sesame says my credit is very poor. My score is N/A!The rest of the story is that I have NO credit. I do have one small thing that shows up, as a negative ($121) but nothing else is showing because I don't use credit!Sounds like a good excuse to buy a bigger toolbox for work to get on the credit map! So Quote Link to comment Share on other sites More sharing options...
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