My Personal Finance Journey

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Eloan.com Credit Monitoring Service

Contributed by mm | September 24, 2003 7:03 PM PST

I subscribed to Credit Score Monitoring service from eloan.com to keep tracking of my credit score. This $29.95/year service will show me my credit score once every month, and tell me key factors deciding my credit score.

Before I choose this service, I have almost exhausted all free trial credit score/report services available online. Eloan.com gives me a free score and report without commitments. FreeCreditProfile.com gives me 30-day trial of score and reports. (Of course I cancelled it within 30 days) All three credit reporting agencies (Equifax, TransUnion and Experian) offer similar 30-day trial offer too.

The catch is, the annual subscription to monitor your credit score and report usually runs at least $49, if not $79, which appears excessive to me as I don't foresee much credit needs in the next 12 months. The $29.95 Eloan.com service cannot show me the entire credit report, but as I'm alway paying off my entire balance every month, I really don't care about details in the credit report. Moreover, the service can show me the account names in which I accumulate too much balance, and presumably will show me if I fall behind in one account (in the event of a mistake). This is more than I need.

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