Best 3n1 monitoring?

[poorme]

I've just about reached a point of overload on this credit monitoring/repair task - which is SO darned important. I've got a different variation on product from each of the bureaus and a slew of passwords to keep up with...what do you all recommend? I like the TC product and it's update ability...is there any service out there that:

1. Provides unlimited access to all three reports.
2. Automatically sends me an alert of changes/inquiries.
3. Includes all three Scores.
4. Allows me to update/pull new inquiry & score on demand (every 24 hrs).

I don't mind buying my ficos 2 or 3 times a year in addition...but there must be a reasonable product at a fair price which gives the above.

Thanks so much...

[anonymuse]

I use TransUnion's TrueCredit.com for 14.95/month. I get the 3-in-1 report, but doesn't pull the complete individual reports. It does send me alerts (and lets me pick how often I want to receive them (daily,weekly)) and has all 3 scores and lets me pull every 24 hours.

[Roadrunner]

I don't think there are many options out there. As to your requirement #3, I think it is worth saying that using the daily services should NOT be done to keep up with your scores. Everyone's score is different and the 'other' scores are not worth anything. I can't recall any creditor ever promoting that they use TrueCredit scores, for example.

[anonymuse]

Oops, sorry, I forgot they weren't real scores at true credit.

[poorme]

Yeah, I know the cra scores are wack...that's why I am willing to pay good money for FICO. But it would seem to help by knowing what your cra scores are in the interim to better manage applying for carefully selected credit. I found that Citi has a service that monitors all 3 for $12.95, but I believe you can only update your pulls monthly. Bummer!

[jeffstrikesback]

Equifax

I don't have their three in one but I use equifax's service and they allow me to pull my credit report daily from them. Anything else costs extra like scores and the other reports but this has been very helpful for me and easy to read/understand.