This thread is dedicated to building a master list of Credit Monitoring Services (CMS) and a quick rundown of what they provide, such as credit reports, report monitoring, credit scores and so on. I will start with a section on free sources, followed by a section on paid/subscription sources. I think this thread will be a great reference for those just getting into credit that want different ways to monitor their files. Anyone that uses or knows of other sources, please reply to this thread with information. I'll add them to the first post to keep the master list growing and all inclusive: Free Sources: Credit Karma : Daily TU / Weekly EQ reports, monitoring and VS 3.0 scores. Credit Sesame : TU monitoring, VS 3.0. WalletHub : Daily TU reports, monitoring and VS 3.0 score. Creditscorecard.com : EX monitoring, monthly update w/EX Fico Score 8. Creditscore.com : EX monitoring, monthly update w/EX Fico Score 8. Experian.com : Appears to be the same as Creditscore.com above? AnnualCreditReport free weekly credit reports until April 2022. No FICO scores. Paid Sources: CreditCheckTotal which I believe is part of Experian.com. $1 trial for 3 bureau FICO 8 scores and reports. Cancel in 7 days or less to avoid the re-occurring monthly charge. Wash, Rinse, Repeat as necessary. myFICO.com - Different packages available, but for $29.99 you can get a 3B report and 28 Fico scores to go along with it.
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Re: Master CMS (credit monitoring service) Thread

33 of 74
3 years ago
Sun Jul 11, 2021 5:32 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 1 minute Next Level in27 days, 10 hours, and 59 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 1 minute ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 1 minute ago
Birdman wrote: Sun Jul 11, 2021 4:38 pm Yes quote and edit are my frequent pushes. And being on mobile grrr. Thanks!
I can increase the margin between buttons on mobile only if that would help.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: Master CMS (credit monitoring service) Thread

34 of 74
3 years ago
Sun Jul 11, 2021 5:38 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 1 minute Next Level in15 days, 10 hours, and 59 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 1 minute ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 1 minute ago
Cassie wrote: Sun Jul 11, 2021 5:32 pm
Birdman wrote: Sun Jul 11, 2021 4:38 pm Yes quote and edit are my frequent pushes. And being on mobile grrr. Thanks!
I can increase the margin between buttons on mobile only if that would help.
Actually it’s different depending on forum. Some have one button some have several. Right now I think it’s spaced out pretty good, but optimally would be to have quote and edit at either end with delete in the middle, since quote & edit are frequently used, but the spacing isn’t too bad now that they’re not next to each other
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: Master CMS (credit monitoring service) Thread

35 of 74
3 years ago
Sun Jul 11, 2021 8:26 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 1 minute Next Level in27 days, 10 hours, and 59 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 1 minute ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 1 minute ago
Birdman wrote: Sun Jul 11, 2021 5:38 pm ...optimally would be to have quote and edit at either end with delete in the middle, since quote & edit are frequently used, but the spacing isn’t too bad now that they’re not next to each other
Done. It's now QUOTE / REPORT / WARN / DELETE / INFORMATION / EDIT.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: Master CMS (credit monitoring service) Thread

36 of 74
3 years ago
Sun Jul 11, 2021 10:57 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 1 minute Next Level in6 days, 10 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 1 minute ago
Post counts are sexy! Nice addition.
BrutalBodyShots
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Re: Master CMS (credit monitoring service) Thread

37 of 74
3 years ago
Sun Jul 11, 2021 11:37 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 1 minute Next Level in15 days, 10 hours, and 59 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 1 minute ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 1 minute ago
Thank you.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: Master CMS (credit monitoring service) Thread

38 of 74
3 years ago
Tue Jul 13, 2021 9:28 pm
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DustinD
Secured Rebel
DustinD has been gardening for over 2 years.
Level33 Last INQWednesday, December 1, 2021 Gardening For2 years, 9 months, 15 days, 13 hours, and 1 minute Next Level in14 days, 10 hours, and 59 minutes on October 1st INQ 1yr onThursday, December 1, 2022 INQ 1yr reached1 year, 9 months, 15 days, 13 hours, and 1 minute ago INQ 2yr onFriday, December 1, 2023 INQ 2yr reached9 months, 15 days, 13 hours, and 1 minute ago
For the last year plus CCT (Credit Check Total) has been giving me free 10 day trials that include daily reports with several Experian scores and one 3 Bureau report with FICO 8 scores for TU and EQ. Back in Sept 2019 I was paying $1 ever 7 or 10 days, but it has been free for me for a while. I just cancel right after signing up.
DustinD
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  • Score data Was EX-695 EQ-685 TU-712
    Now EX-793 EQ-795 TU-804
    F2-797 when AZEO
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Re: Master CMS (credit monitoring service) Thread

39 of 74
3 years ago
Tue Jul 13, 2021 9:35 pm
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Slabenstein
OutlierDinosaurs are patriots
Slabenstein has passed the 24 month threshold and is completely inquiry free!
Slabenstein has achieved the Garden Goal !!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 1 minute Next Level in14 days, 10 hours, and 59 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 1 minute ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 1 minute ago Goal24 months Goal DateSunday, September 1, 2024 Goal Achieved15 days, 13 hours, and 1 minute ago
DustinD wrote: Tue Jul 13, 2021 9:28 pm For the last year plus CCT (Credit Check Total) has been giving me free 10 day trials that include daily reports with several Experian scores and one 3 Bureau report with FICO 8 scores for TU and EQ. Back in Sept 2019 I was paying $1 ever 7 or 10 days, but it has been free for me for a while. I just cancel right after signing up.
I've been doing the same but the last few months they've been switching it up some and offering us less helpful 30 day trails of ID works in between 7 day trials of Credit Works.
Slabenstein
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  • Score data EX8 817, TU8 834, EQ8 834
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Re: Master CMS (credit monitoring service) Thread

40 of 74
3 years ago
Tue Jul 13, 2021 10:25 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 1 minute Next Level in6 days, 10 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 1 minute ago
DustinD wrote: Tue Jul 13, 2021 9:28 pm For the last year plus CCT (Credit Check Total) has been giving me free 10 day trials that include daily reports with several Experian scores and one 3 Bureau report with FICO 8 scores for TU and EQ. Back in Sept 2019 I was paying $1 ever 7 or 10 days, but it has been free for me for a while. I just cancel right after signing up.
Wait, free trials not $1 trials? I have not heard of this. How often can you do the trials? Is it unlimited like the $1 trials where the moment one ends you can begin another?
BrutalBodyShots
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Re: Master CMS (credit monitoring service) Thread

41 of 74
3 years ago
Wed Jul 14, 2021 9:07 am
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DustinD
Secured Rebel
DustinD has been gardening for over 2 years.
Level33 Last INQWednesday, December 1, 2021 Gardening For2 years, 9 months, 15 days, 13 hours, and 1 minute Next Level in14 days, 10 hours, and 59 minutes on October 1st INQ 1yr onThursday, December 1, 2022 INQ 1yr reached1 year, 9 months, 15 days, 13 hours, and 1 minute ago INQ 2yr onFriday, December 1, 2023 INQ 2yr reached9 months, 15 days, 13 hours, and 1 minute ago
Post was altered.
Last edited by DustinD on Wed Jul 21, 2021 10:50 am, edited 1 time in total.
Yea, I will take screen shots next time, but I have zero gaps in coverage except for occasionally not bothering to follow up on any given day.

Edit to respond to the next post:
I get the screen on account login. Screen shot on the next page.
DustinD
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  • Score data Was EX-695 EQ-685 TU-712
    Now EX-793 EQ-795 TU-804
    F2-797 when AZEO
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Re: Master CMS (credit monitoring service) Thread

42 of 74
3 years ago
Wed Jul 14, 2021 9:53 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 1 minute Next Level in6 days, 10 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 1 minute ago
Looking forward to a screen shot. Do they just spam you upon logging in with a "free trial" or something that you click?

Is this targeted, or can anyone do these for free? If so, I wonder why we still hear about $1 trials?
BrutalBodyShots
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Re: Master CMS (credit monitoring service) Thread

43 of 74
3 years ago
Sun Jul 18, 2021 8:47 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 1 minute Next Level in9 days, 10 hours, and 59 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 1 minute ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 1 minute ago
Allzero wrote: Tue Jun 22, 2021 11:45 pm I've been using the Experian CreditWorks℠ Premium free trial which converts to $24.99 per month after 10 days. Been a couple times I forgot to change the plan and downgrade to the CreditWorks℠ Basic and was charged but it was worth it to have 30 days of daily score updates when I was testing utilization.
It's been 8 days since my cancelled Experian CreditWorks℠ Premium for 10 days subscription. I logged in today and was offered the Experian IdentityWorks℠ Plus for 30 days free, then pay just $14.99 each month. I haven't accepted the offer yet. Looking to time my reports.
EXIP.png 10.35 KiB Viewed 173 times
AllZero
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Re: Master CMS (credit monitoring service) Thread

44 of 74
3 years ago
Sun Jul 18, 2021 11:46 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 1 minute Next Level in6 days, 10 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 1 minute ago
Can you take the upgrade and then cancel/downgrade before 30 days to avoid the $14.99?
BrutalBodyShots
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Re: Master CMS (credit monitoring service) Thread

45 of 74
3 years ago
Sun Jul 18, 2021 11:47 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 1 minute Next Level in9 days, 10 hours, and 59 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 1 minute ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 1 minute ago
BrutalBodyShots wrote: Sun Jul 18, 2021 11:46 pm Can you take the upgrade and then cancel/downgrade before 30 days to avoid the $14.99?
Yes, you can. Wash, rinse, and repeat.
AllZero
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Re: Master CMS (credit monitoring service) Thread

46 of 74
3 years ago
Sun Jul 18, 2021 11:48 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 1 minute Next Level in6 days, 10 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 1 minute ago
What's the difference again with the upgrade over the basic plan?
BrutalBodyShots
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Re: Master CMS (credit monitoring service) Thread

47 of 74
3 years ago
Sun Jul 18, 2021 11:52 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 1 minute Next Level in9 days, 10 hours, and 59 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 1 minute ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 1 minute ago
BrutalBodyShots wrote: Sun Jul 18, 2021 11:48 pm What's the difference again with the upgrade over the basic plan?
Free is 1B report. Upgrade includes the 3B reports. https://www.experian.com/consumer-produ ... ison-table
AllZero
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Re: Master CMS (credit monitoring service) Thread

48 of 74
3 years ago
Sun Jul 18, 2021 11:58 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 1 minute Next Level in6 days, 10 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 1 minute ago
Gotcha, more or less what I figured. I'm still riding the free reports/scores wave from the old forum for as long as I can, lol.
BrutalBodyShots
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