TrueCredit’s 3-Bureau Credit Monitoring – Review

April 9, 2008 by  
Filed under Product Reviews

TrueCredit Review

TrueCredit’s 3-Bureau monitoring includes unlimited 3-in-1 Credit Reports & Scores for $14.95/month has a really nice user interface with its clean layout and it’s main advantage is that it features true tri-merged reports. This is useful as it allows you to see your 3 credit reports side-by-side.  The myFICO products don’t do this, and only feature 2 out of 3 bureau scores.

An interesting note: the scores used are not FICO credit scores, they can be different. In my case, when i reviewed this product, my TU FICO was quite higher than my TU non-FICO score. This is why, first, you have three scores.  It allows you to calibrate for 1 off differences in bureau scores and, secondly, you want to ask your lender for the score they pull.  All and all, a very insightful service, and one of the better looking user interfaces of the products tested.

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Comments

6 Responses to “TrueCredit’s 3-Bureau Credit Monitoring – Review”

  1. Experian Stops Consumer FICO Scores | Mortgages Unzipped on February 11th, 2009 7:09 pm

    [...] see. 30% of users could have a 50 point swing in their scores. Don’t believe me? Watch my TrueCredit review to see that, at the time I pulled both Trans Union scores, my Trans Union FICO was a 790 and my [...]

  2. rafael a perez on June 4th, 2009 6:57 pm

    I men how can I take of all the bad credit that is in the 3 credit companyes

  3. JOHN MAC KENZIE on August 8th, 2009 7:48 am

    GOOD MORNING, MY NAME IS JOHN MAC KENZIE AND I AM CONTEMPLATING A RELOCATION MOVE IN THE EARLY SPRING OF 2010. I WILL BE SEARCHING FOR A APARTMENT TO LIVE IN. I RECENTLY GET A SECURED CREDIT CARD TO PAY MY PHONE BILL AND SEVERAL DOCTOR BILLS. THEY ARE BOTH SMALL BILLS. BUT I ALWAYS PAY ON TIME OR AHEAD OF TIME. WHEN THE MANAGEMENT OF THE APARTMENT COMPLEX RUNS A CREDIT CHECK ON ME, HOW WILL MY BILL PAYMENTS REFLECT ON ME? I JUST STARTED DOING THIS THE BEGINNING OF JYLY 2009 AND I AM FEARFUL THAT I WILL NOT GET A GOOD CREDIT RATING. I PAY MY RENT TO MY BROTHER WHOM I LIVE WITH AND HE PAYS AL UTILITIES. HE RENTS THE HOUSE AND I HAVE NO RECEIPTS TO SHOW AND I CAN’T PAY THE RENT WITH MY CREDIT CARD AS HE DOES NOT OWN THE HOUSE. I THINK I SERIOUSLY NEED HELP IN THIS MATTER, PLEASE ADVISE ME IN WAYS TO GET A DECENT CREDIT RATING.. THANK YOU..RESPECTFULLY..JOHN MAC KENZIE

  4. VideoCreditScore-Andy on August 10th, 2009 9:04 pm

    John, your future landlord will look for late payments in your credit file. If there are none, then he/she should be satisfied. But, landlords do look for previous references from your previous landlords. If there are none, you may treated like someone looking for their first apartment ever. Do you know your FICO credit score currently? I’d recommend getting your FICO score just to see where you are. It’s always a good idea to know your credit situation before you apply for an apartment. You want to know about any “surprises” before you apply.

    If you just started this tactic in July, you will need a couple of months for these items to impact your credit score. Here’s one more idea, pull your credit score and credit report and take it to an apartment that you are not interested in and get an opinion on your credit worthiness. This tactic is a bit more work, but might provide a good insight into your situation.

  5. Donna on July 2nd, 2010 7:41 pm

    I do not like TrueCredit by Transunion. It does not update the scores monthly. I have Sky”Blue and several items have been deleted but my scores have not changed in TrueCredit since 5/07/10. I don’t like TrueCredit and plan on canceling my membership. Hopefully I can find a site that will at least quarterly update my credit score. You do not receive all three credit scores or I didn’t. It one score combined that never updates

    Thanks,

    Just Don’t like!!

  6. Bill Smith on November 10th, 2010 1:07 pm

    True Credit is “True Crap”

    I have had many problems with billing (overbilling, double billing, refusal to correct their billing errors, customer service, etc.)

    Besides all of that, True Credit shows my credit scores almost 200 points higher than what Trans Union shows the banks when I apply for credit. It does little to help with disputes or incorrect information except point you to the reporting agency’s website.

    DON”T WASTE YOUR MONEY!!

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