Posted by William Charles on January 14, 2016
Credit Monitoring Sites

Published on January 14th, 2016 | by William Charles

20

What’s The Best & Cheapest Way To Monitor Your Credit?

I used to have Citi credit monitoring, but haven’t used that for awhile. What’s the best way to monitor my current?

Amol, of Travel Codex Fame (paraphrased)

Most credit cards now come with a free FICO score, so use those for your scoring needs. Most people also want to know about major changes to their credit (e.g when a new hard pull is done and what credit bureau is pulled). There are a lot of different credit monitoring sites, but you only really need to use two of them to cover all bases.

There are also the other free credit monitoring sites: Quizzle (Equifax) , Credit Sesame (TransUnion), Credit.com (Experian) & WisePiggy (TransUnion). If you do any bank account bonuses, I’d also recommend manually pulling your ChexSystems report once annually to make sure you don’t have any flags on your account.



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20 Comments on "What’s The Best & Cheapest Way To Monitor Your Credit?"

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rubixx
rubixx

Was going to use your affiliate link for CS but it seems to be broken when I tried to sign up.

rubixx
rubixx

Also, I just signed up for CS and it says all info is provided by TransUnion. Is there any way to see Experian as well?

Corey
Corey

Credit Sesame actually uses TransUnion now. It’s at the bottom of every page when you’re logged in, “Your credit score, and all credit and loan info are provided by TransUnion.”

MrDioji
MrDioji

Yes, Credit Sesame became useless to me a while ago when they switched to Transunion. I bit the bullet and pay $8.99 for 3 bureau monitoring through Costco.

David
David

are credit karma and sesame free?

SimonZX
SimonZX

yes

Nic
Nic

Speaking of citi credit monitoring- whatever happened to that CFPB fine/refund that was supposed to happen?

Fiby

Or get your ID details stolen and get free credit monitoring as a result 😉

Jake
Jake

I’d like to use one site that covers all, any recommendation on the paid ones?
Is Costo’s CSID a good choice?

themanwhocan
themanwhocan

As others have mentioned, Credit Sesame is Transunion now, but doesn’t provide good details about your credit report. credit.com does still use Experian, but once again lacks details about the credit report.

You might also mention concierge.comparecards.com which gives good data for Transunion, but updates only monthly.

Dan
Dan

Here’s a good chart to see who pulls from where, courtesy of the Reddit churning forum:

https://www.reddit.com/r/churning/wiki/index#wiki_fico_score

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Cameron
Cameron

I don’t know where to put this but it looks like credit karma does not allow for sorting by credit card open date anymore. This was useful for checking 5/24.

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