We recommend the credit monitoring at http://xcr3b.com

We prefer this credit monitoring because:

• This credit monitoring is the most accurate that we have found for the price
• Our system syncs with this credit monitoring allowing us to charge less to review credit reports and work on your accounts.
• We can receive a daily update of one of the credit bureaus
• We will know when items are deleted and possibly when new items are added to your credit report.
• It is required to maintain for our 100% money back guarantee to be valid.
• Many of the violations that we use to help put you in a better position require credit monitoring to recognize.

Ex. By reviewing this credit monitoring, we can see if a creditor has marked an account in dispute or not. If we sent them a dispute letter

and they did not mark it in dispute, that could be a violation of FDCPA and or FCRA. It could mean a deletion from the credit report plus $1000 to you.

What is different about your credit monitoring?

Not all credit monitoring is the same. Different credit monitoring websites map data differently. The credit bureaus report a lot of information about each account. But it is up to the credit monitoring companies to decide what they want to show you from the data they receive from the credit bureaus. Often they will show very limited information because they think you will get confused with all the data.

For instance, the credit bureaus can store 5 different dates for each debt. Two of the dates are generated by the credit bureaus themselves. The Date of Last Delinquency is a very important date because it determines when an account is to be removed from the credit report. If this date is changed, then an account is re-aged. With most credit monitoring websites they do not show the Date of Last Delinquency. See below how our credit monitoring shows this field.

But the credit scores are not the same as my mortgage lender

This is true. Like most credit monitoring programs, xcr3B.com uses the Vantage 3.0 credit score. This is completely different than the credit scores your mortgage lender will use. Mortgage lenders currently use FICO Versions 2, 4, & 5. The only place to obtain your mortgage scores, other than your mortgage pro, is from MyFICO.com. They charge $59.85 for the report.

Other credit monitoring websites advertise FICO scores but they provide FICO score 8. This is still not the same version that your mortgage lender will use.

In short, we use the credit scores as an indication of roughly where you are BUT we are more concerned with the reported data on your credit report. During the process it is important to figure out if a creditor is reporting, not reporting, or reporting incorrectly. This credit monitoring allows us to do this for a fair cost while giving us the information we need to help you better.