I am preparing to refinance a mortgage and want my middle credit score to be above 760. Is having an account with TrueCredits “3-Bureau Credit Monitoring Service” a good idea for me?
The lenders I work with pull all three agencies’ scores and use the middle one of the three. Answer: TrueCredit gets points for a nice user interface, trending graphics, debt to income calculations and so forth. The make it easy to compare the information that all 3 agencies have on file for you. TrueCredit gets BIG MINUS points for having lots of advertising. I personally have an account with TrueCredit ($14.95/ month) and it disgusts me that after logging in, I am constantly bombarded with affiliate links where they want to sell me refinances, new mortgages, credit cards, insurances – you get the picture. I feel that on a pay-for site, there should be ZERO ads. Now about the credit scores. I suspect that TrueCredit’s numbers are worthless. Let me give you an example. I have been monitoring my 3 scores over the past 2 months with TrueCredit and the number that they have as my “Equifax score” has been hovering between 800 and 787. Yesterday it was 800. Parallel, I have a subscription t
