Is CreditInform worth it? What do you guys think?
Hi there dustinhood and welcome to the forums.
Well, it depends on wether you’ll get free enrollment (through Capital One) or are thinking about paying the $8.99 month membership. I’ve been enrolled in CreditInform since February 2011 through Capital One so I got it for free. If you are going to pay for the membership, I would suggest to spend a few extra bucks and enroll with MyFico, Experian or a company that offers real scores and reports.
If you are getting the service for free and you are currently not receiving FICO score and reports, then I think it’s definitely worth it. You get a monthly credit report which I believe is pretty accurate. Having access to this information is important, and they’ll suggest things that you can do to improve your credit. You’ll also get FAKO scores, which are not real credit scores, but at least you’ll have a general idea of where you stand.
Make sure to check out the following threads, which contain information on how to get a free annual credit report (in case you don’t know about this already):
I just received my Capital One card in the mail! This forum has helped me from day 1 when I stumbled across it.
So I called right away and activated my card, and also called CreditInform to enroll.
Just a few questions:
Will it remain free with my secured Capital One card, or will the $8.99 charge come up at sometime?
How soon can I get information from CreditInform? Do I have to wait for something to come in the mail, or can I access it online?
Hey there mjod321 and welcome to the forums.
CreditInform will remain free for as long as you have the Capital One card. As far as accessing their site, you’ll receive an envelope in the mail with your login information as well as hard copy of your first report. Once you get your stuff you’ll be able to log in.
I think it took like a week for mine to arrive.
Hope this helps.
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