Author Topic: Getting Free Credit Report / Score - Identity Monitor Substitutes (Read 44455 times)

myb821 · « **Reply #20 on:** April 06, 2011, 02:14:34 PM »

Quote from: LAXtraveler on April 06, 2011, 02:12:23 PM

Just got Citi ID Monitor. Where on it can I see what credit companies did the pull for my CCs?

go to ier credit report and scroll down

LAXtraveler · « **Reply #21 on:** April 06, 2011, 02:15:37 PM »

Quote from: myb821 on April 06, 2011, 02:14:34 PM

go to ier credit report and scroll down

I did. Under inquiries it shows the bank that asked for an inquiry, but not who did the pull.

myb821 · « **Reply #22 on:** April 06, 2011, 02:16:45 PM »

Quote from: LAXtraveler on April 06, 2011, 02:15:37 PM

I did. Under inquiries it shows the bank that asked for an inquiry, but not who did the pull.

did u allow them to pull all 3 credit reports for u to see

LAXtraveler · « **Reply #23 on:** April 06, 2011, 02:17:22 PM »

Quote from: myb821 on April 06, 2011, 02:16:45 PM

did u allow them to pull all 3 credit reports for u to see

I don't think they asked me that when I was signing up. How do I make sure they do that?

myb821 · « **Reply #24 on:** April 06, 2011, 02:18:57 PM »

Quote from: LAXtraveler on April 06, 2011, 02:17:22 PM

I don't think they asked me that when I was signing up. How do I make sure they do that?

i dont remember after i signed up there was somewhere i needed to click to allow them to pull all 3

Cholentfresser · « **Reply #25 on:** April 06, 2011, 02:22:41 PM »

Quote from: LAXtraveler on April 06, 2011, 02:17:22 PM

How do I make sure they do that?

when u sign in, on the left, there's a box that says something about all 3 reports, click on that.

LAXtraveler · « **Reply #26 on:** April 06, 2011, 02:23:04 PM »

Quote from: myb821 on April 06, 2011, 02:18:57 PM

i dont remember after i signed up there was somewhere i needed to click to allow them to pull all 3

At the top it says all the records below are based on Experian. Does that mean anything listed there has been an Experian pull?

Also, there was a box on the left offering instant acccess to 3-1 credit report for all 3 scores, but it wouldn't go through when I clicked it.

yaakov s · « **Reply #27 on:** April 06, 2011, 02:27:57 PM »

when I pull it up its charging $4.95 for it , does anyone have a link for $1 for the first 30 days and then you cancel

LAXtraveler · « **Reply #28 on:** April 06, 2011, 02:28:38 PM »

Quote from: yaakov y on April 06, 2011, 02:27:57 PM

when I pull it up its charging $4.95 for it , does anyone have a link for $1 for the first 30 days and then you cancel

Try typing in identitymonitor.citi.com

Cholentfresser · « **Reply #29 on:** April 06, 2011, 02:28:42 PM »

Quote from: LAXtraveler on April 06, 2011, 02:23:04 PM

but it wouldn't go through when I clicked it.

the same thing happened to me, it said that's they'll keep trying and if they can't do they'll refund the money i paid for the service. ($1). but i think that's the place it says which pulls came from where.

LAXtraveler · « **Reply #30 on:** April 06, 2011, 02:29:26 PM »

Quote from: Cholentfresser on April 06, 2011, 02:28:42 PM

the same thing happened to me, it said that's they'll keep trying and if they can't do they'll refund the money i paid for the service. ($1). but i think that's the place it says which pulls came from where.

Did you eventually get it, or you're still waiting?

yaakov s · « **Reply #31 on:** April 06, 2011, 02:32:30 PM »

Quote from: LAXtraveler on April 06, 2011, 02:28:38 PM

Try typing in identitymonitor.citi.com

got it thanks

Bp · « **Reply #32 on:** April 06, 2011, 05:04:17 PM »

Why are you guys using the citi identity monitor! Go with CreditSecure from American Express its $1.99 for the first month, and you can pull(soft pull) from all 3 bureaus every 24 hours. It may help for bumpage (doesn't look like bumpage helps by experian)

scwam · « **Reply #33 on:** April 06, 2011, 10:27:03 PM »

Because you can't rinse and repeat the amex deal. At least I couldn't.
About Citi Identity Monitor: does this only allow 1 3-pull per 30 days?
And what is it about this 'bumpage'? I've been pulling my credit a lot for
the past 2 years with different services and nearly everyday from CreditKarma
and I never had inqs fall off. Sounds like a load of bull to me.

AsherO · « **Reply #34 on:** April 06, 2011, 11:48:46 PM »

Quote from: scwam on April 06, 2011, 10:27:03 PM

Because you can't rinse and repeat the amex deal. At least I couldn't.
About Citi Identity Monitor: does this only allow 1 3-pull per 30 days?
And what is it about this 'bumpage'? I've been pulling my credit a lot for
the past 2 years with different services and nearly everyday from CreditKarma
and I never had inqs fall off. Sounds like a load of bull to me.

You need as many as 100 bumps. Credit Karma will only bump your TU pulls.

scwam · « **Reply #35 on:** April 07, 2011, 02:13:53 AM »

Never seen any inqs fall of TU.

AsherO · « **Reply #36 on:** April 07, 2011, 02:55:47 AM »

Quote from: scwam on April 07, 2011, 02:13:53 AM

Never seen any inqs fall of TU.

How many bumps are we talking about? Make sure you didn't get chopped (i.e. have your soft inquiries consolidated).

AsherO · « **Reply #37 on:** April 07, 2011, 03:38:38 AM »

Just got this offer, Amex free/complimentary 30 day access to Experian report and score. Might be targeted.

Edit: Definitely not targeted, looks like it's for first time only.

YudiG · « **Reply #38 on:** April 12, 2011, 02:02:06 AM »

idk...just used annuacreditreport to see the aftermath of a amex fr...experian had no negative reports so that is a gr8 sign being that it did have all 3 amex closings on it from last week...they havent shown up yet though on TU and equifax....though both those reports were very positive as well...at this point should i be concerned to get an actual score?

any tips how? the citi identity doesn't work for some reason...

AsherO · « **Reply #39 on:** April 12, 2011, 02:12:27 AM »

Quote from: YudiG on April 12, 2011, 02:02:06 AM

any tips how? the citi identity doesn't work for some reason...

Doesn't work? What do you mean? What messages/errors do you get?

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Author Topic: Getting Free Credit Report / Score - Identity Monitor Substitutes (Read 44455 times)