I have been a member of Equifax Credit Watch and Score Power since 2004. They charge $7.95/month for the Score Watch and $9.95/month for Credit Watch Gold. The service works like this: if there is a change in my credit file or credit score, I get an text message on my cell phone and an email within 24 hours. I can also pull my Equifax credit report at any time. I'd been hearing alot about TrueCredit so I checked them out. I signed up thru Wal-Mart Financial Services which offered the service for $11.21/month. I saved over $5 a month and am able to get all 3 reports and scores instead of just Equifax.
My credit scores were as follows: TransUnion 690, Experian 698, Equifax 657. My goal is to get all three over 700.


  1. Dimples // July 9, 2007 at 12:35 AM  

    Wow. That is a good price. I may look into them. I still don't get why Equifax is soooo way off when compared to the other two. My credit scores are the same way. Equifax is always the lowest one and by a lot.

  2. Chicky // July 9, 2007 at 8:11 AM  

    That is a great price! I signed up with them last week at $14.95/month. And to add to Dimples' comment, my Equifax score is the same way: it is WAY lower than the others. I wish there was more standardization between the three credit bureaus (in my mind, they should all provide the same number since they have the same information).

  3. Drunken1 // July 9, 2007 at 12:50 PM  

    I use TrueCredit, it's worth every penny! Going thru some difficulties at the moment, so the alerts are coming hard and heavy, but Things look to be turning around in August.

  4. Dimples // July 12, 2007 at 7:19 AM  

    I just wanted to let you know that I went ahead and signed up with TrueCredit. I went through Walmart Financial Services like you said and there it was for $11.21 a month. You cant beat a deal like that for getting ALL 3 credit reports and scores plus more. I'll give you a shout out on my blog. Thanx

  5. SingleGuyMoney // July 12, 2007 at 7:51 AM  

    Drunken1 - I am really liking TrueCredit. It is very easy to get scores updated daily. Hang in there, those difficulties will soon turn into opportunities.
    Dimples - Thanks for the shout out! TrueCredit is the bomb! LOL

  6. b4freedom // July 14, 2007 at 11:52 PM  

    You can get all three credit reports for free once a year.

    Having an instant update doesn't actually protect you.

    Let's assume someone stole your identity. It will still take you months and months to clean it up. Will it matter if you know about it instantly or once a year? Not really. If you think your going to be taking out a loan, go online and check it. If your not taking out a loan, then why worry?

    The credit monitoring service is one of the biggest scams in history.

    If you really feel the need to make sure everything is safe on a monthly, get a providian credit card. They give you your score monthly for free. Free. Use the card once a year to keep it active. No annual fees.

  7. Jeffrey // August 13, 2007 at 11:37 AM  

    FYI---Myfico (Equifax) is more expensive because lenders pull Fico scores. True Credit is Transunion's proprietary credit model and will be completely different than what a lender will see. If you read the disclaimer I believe it mentions that it is not a FICO score and may not be accurate. I would spend the extra money for Myfico instead of TrueCredit

  8. SingleGuyMoney // August 13, 2007 at 7:32 PM  

    Jeffrey - Thanks for the heads up. I know these are FAKO scores but they give me a general idea of my credit. When I get ready to buy another home, I will pull actual FICO scores.