"Just tell me what to sign up to get B*"

[creditmonitor2010]

Best combo - if you have an AMEX card that logs into americanexpress.com

Credit Secure (CS)

USAA Credit Check Monitoring Premium (USAA-CCMP)

My Privacy Matters (MPM)

All 3 hit EQ daily. CS and USAA-CCMP for 2 hits TU "daily". MPM only hits TU once total.

 

If you do not have an AMEX...

USAA Credit Check Monitoring Premium (USAA-CCMP)

My Privacy Matters (MPM)

Credit Check Total (CCT)

2 hits daily on both EQ and TU. But need 3 hits daily on EQ to overcome monthly C*!

[rayangel]

loving the whole cut to the chase thing i already have cct and i just signed up for mpm wish me luck ill report if it helps as ive never had success with b** on eq.

[creditmonitor2010]

"I wish this was spoon fed me"

 

How do I sign up for...

CS

https://www152.americanexpress.com/premium/...av_CreditSecure

 

USAA-CCMP

https://www.usaa.com/inet/ent_utils/McStati...monitoring_main

 

MPM

http://www.bbt.com/bbt/privacymatters/

or

Single ($12.95)

https://www.key.com/html/leaving.html?/to/coverdell+single

https://www.programenrollment.com/landingpa...mp;sqkl=leaving

Couple ($17.95)

https://www.key.com/html/leaving.html?/to/coverdell+couple

https://www.programenrollment.com/landingpa...mp;sqkl=leaving

or

http://www.eliminateidtheft.com/mall/signup.aspx

[limited time] http://www.eliminateidtheft.com/mall/signup15.aspx

 

CCT (Avoid them if possible)

https://www.creditchecktotal.com/

 

You should know...

CS has a 30 day trial and you cannot pull daily during trial. You can call for them to end your trial and start your regular subscription. You will know you the trial is over when it shows $0.00 to refresh/get a new report.

 

MPM may lower the price if you call to cancel. I got the spouse plan for $11.95 a month.

 

Avoid CCT if possible

CCT has a 7 day trial and you cannot pull daily during trial. You can call for them to end your trial and start your regular subscription. You will know you the trial is over when it shows $0.00 to refresh/get a new report.

You can also call them and threaten to cancel, they will offer you a discount either $9.95 or $12.95. But they are dishonest and will still charge you the regular price unless you call them after they charge you and demand they refund you what they were supposed to discount.

 

"I only care about EQ B*"

Any or all CS, USAA-CCMP, MPM

You will need all 3 if EQ is chopping you monthly

 

"I only care about TU B*"

USAA-CCMP and CS (if can't get CS, CCT will take its place)

 

"How do I check my reports everyday"

EQ

https://www.ai.equifax.com/CreditInvestigat...spute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/e...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

[GoinDeep]

Avoid CCT if possible

 

they are dishonest and will still charge you the regular price unless you call them after they charge you and demand they refund you what they were supposed to discount.

Ive never had this problem....how common is it?

[GEORGE]

Avoid CCT if possible

 

they are dishonest and will still charge you the regular price unless you call them after they charge you and demand they refund you what they were supposed to discount.

Ive never had this problem....how common is it?

Somebody is just confused

 

...one out of many (probably 100's...maybe even 1,000's here) does not make it a wide-spread problem

[clutchcargo]

Avoid CCT if possible

 

they are dishonest and will still charge you the regular price unless you call them after they charge you and demand they refund you what they were supposed to discount.

Ive never had this problem....how common is it?

 

Never had this either. I don't think CCT deserves to be labeled "dishonest" and "avoid if possible" because of one persons experience. Mistakes happen.

[kb1gra]

Ok, so I don't want to join USAA and take a credit pull just to get monitoring, and I don't have an Amex right now. So that leaves me MPM but I can't log into MPM because every time I try to the site bounces me back and I have to verify my identity all over again.

 

Am I stuck?

[kb1gra]

Ok, so I don't want to join USAA and take a credit pull just to get monitoring, and I don't have an Amex right now. So that leaves me MPM but I can't log into MPM because every time I try to the site bounces me back and I have to verify my identity all over again.

 

Am I stuck?

[encoder]

I've never had a bad experience w/ CCT. I don't think 90% of others here have, either.

[encoder]

@Kb1..

 

CCT. Credit Check Total. Nearly everybody here uses it and only a few have ever had issues.

 

If the OP happened to call in and got a bad rep, that happens, but it's not systemic. That's obvious.

[lucent1]

in the spirit of this thread's initial intention, can we please sticky and lock this thread?

 

I can already see this turning into a 25 page discussion that dilutes this thread's purpose.

[clutchcargo]

in the spirit of this thread's initial intention, can we please sticky and lock this thread?

 

I can already see this turning into a 25 page discussion that dilutes this thread's purpose.

 

If by diluting a threads purpose you mean correcting some information... Nope, I still don't think so.

[lucent1]

No.

 

The original intention was to provide quick access to information that currently only exists in 25 page long threads.

 

By 'diluted' I mean there's no reason to clutter the topic with discussion about CCT's alleged billing practices or other off-topic discussion. That has nothing to do with the original intention of the thread and just convolutes information gathering for newbies, which again, was the original target audience of this topic.

 

Too many message boards these days have thread gems hidden beneath mountains of useless banter. My comment was an attempt to keep that from happening here, which I believe was in the spirit of the OP's intention.

 

And now here we are, doing that which I just pontificated against doing. lol

[sonicanatidae]

1st. OP: Great idea.. Lots of people ask for this info and you are correct, it's buried a bit.

Easily found with the Search feature, but from the posts that appear most of the time,

I believe most posters are unaware of what the search function actually does.

 

2nd. You might want to mention that B* is part science and part luck. There is no

guaranteed way to achieve B*, but your post gives people the tools that allow

them to try and 95% of the time they will get B*, so personally, I think its

worth a few bucks trying.

[kb1gra]

why is MPM so difficult to register for and log into? I can't get onto their site, and now I've tried to do EIT and it tells me it takes two days to get a member number.

[jtoast]

Last I heard, MPM wasn't a daily puller anymore for new members. Has that ever been confirmed? As to the original post....CCT is excellent. I use them along with CS and have had no issues.

Edited February 5, 2010 by jtoast

[ProfessorMom]

I like the premise of the thread and appreciate the work that went into. However, I don't like the OP's subjective assessment of CCT. I've personally used CCT for quite a while now and never had a problem. I have the option of CS but at $11.99, why would I choose it over $9.95?

 

 

Objective = Great

Subjective = No so good

[snark]

CCT works well for me, but mostly for TU...haven't gotten any 'B' on EQ yet, but very good on TU....

[jtoast]

EQ takes longer to kick in that TU usually. If I remember right, it took me almost a month longer for EQ to kick in.

[ansdofuno]

"How do I check my reports everyday"

EQ

https://www.ai.equifax.com/CreditInvestigat...spute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/e...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

 

I can't believe I didn't know about this. Thank you!

 

It doesn't generate a soft-pull, does it? And Equifax doesn't care if you do this every single day?

[ansdofuno]

"How do I check my reports everyday"

EQ

https://www.ai.equifax.com/CreditInvestigat...spute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/e...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

 

I can't believe I didn't know about this. Thank you!

 

It doesn't generate a soft-pull, does it? And Equifax doesn't care if you do this every single day?

[TrevorHere]

"How do I check my reports everyday"

EQ

https://www.ai.equifax.com/CreditInvestigat...spute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/e...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

 

I can't believe I didn't know about this. Thank you!

 

It doesn't generate a soft-pull, does it? And Equifax doesn't care if you do this every single day?

 

It generates a soft pull but not one which will help B*. I would not advise pulling this report everyday...

Edited February 5, 2010 by TrevorHere

[sonicanatidae]

"How do I check my reports everyday"

EQ

https://www.ai.equifax.com/CreditInvestigat...spute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/e...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

 

I can't believe I didn't know about this. Thank you!

 

It doesn't generate a soft-pull, does it? And Equifax doesn't care if you do this every single day?

 

 

The bureaus will get wise to it if you pull these daily and stop you.

 

This is what other posters are referring to when they say "backdoor pull".

 

Its basically a backdoor into your report.

 

Like everything, dont abuse it and you can use it. Get greedy and they

will shut you down..

[ansdofuno]

MPM

http://www.eliminateidtheft.com/mall/signup.aspx

[limited time] http://www.eliminateidtheft.com/mall/signup15.aspx

Last I heard, MPM wasn't a daily puller anymore for new members. Has that ever been confirmed? As to the original post....CCT is excellent. I use them along with CS and have had no issues.

 

People on this thread are in the process of verifying whether or not the eliminateidtheft link above will work for daily pulls from MPM.

[ansdofuno]

It generates a soft pull but not one which will help B*. I would not advise pulling this report everyday...

The bureaus will get wise to it if you pull these daily and stop you.

 

This is what other posters are referring to when they say "backdoor pull".

 

Its basically a backdoor into your report.

 

Like everything, dont abuse it and you can use it. Get greedy and they

will shut you down..

 

Thanks guys. Would be great if the OP included this warning, rather than stating "How do I check my reports everyday"