Credit Report Watching

[leajerry51]

I know that some of you use a certain Credit Report Site to watch your credit. I realize this may cost a monthly fee but I am wanting to keep a check on my Scores and my report as we are getting ready to pay off our Chapt. 13 and Hopefully will qualify for a house within the next 6 months. I have cleaned a TON of stuff up so far. For instance, We had a mortgage that we surrendered in our bkcy and that creditor has harrassed us and continued to report us as over 180 days for the last almost 3 years and they have reported almost every month. Not to mention they have ran numerous Inquiries. Only 1 of those supposedly counts against us but we didn't authorize it and it was in the pretense of giving us credit? Now why on earth would they do that other than to be just down right ugly because they know it lowers our scores. I also had a few other creditors who had us down as late well past the bkcy date UGH! One of those creditors was still pulling money out of our check each month after we filled and they were reporting us late while they were doing that and then for a few months afterwards.
So needless to say I know why our scores were not rising after our bkcy.
But if any of you are willing to share what site you use I would appreciate it.

[LinSC]

I have been using myfico.com. Although, all of the credit reporting agencies have a similar type of program as well. If I had an inkling of what I was doing when I enrolled on that website, I would not have purchased the monthly monitoring. It's really not worth what you pay.

What I think is more useful is obtaining my free annual credit reports. I had mine sent to me via the mail. All 3 contained a website link where you can go online and purchase your credit score with each for only $5. Much cheaper than the monthly monitoring.