No. of Recommendations: 0
I'm about midway through my two-month trial. I started the trial with the idea of monitoring the effects of various actions on my credit score so I've been keeping a spreadsheet. There's a lag between the time a statement period ends and the time the new balance appears on the report, but the reports do update frequently.

I think this is more a function of the credit bureau than of any practice of PrivacyGuard. In my case, anyway, the Equifax report changes only weekly while Experian & TransUnion can change daily. It stands to reason that if people have few active accounts, they will see few changes. Also, some creditors are slower than others; for example, it took two months after my student loan consolidation was processed before a single bureau showed the changes.

IMO it's definitely worth the $1, especially if someone is looking for an accurate, inexpensive credit report.
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.