I need to know which site/programe is the best for credit monitoring. Such things like freecreditreport.com, credit lock, credit keeper. Which ones do you recomend and think are the best to use? All advice welcomed.
Thank you,
PVT Watts, Christopher US Army

For example I can go via Costco pay a little more and have all three monitored or go to a financial instituion pay several dollars less but only monitor one of the three credit agencies.
I guess it all depends on how important it is for me and 24 dollars or so more a year… Also – has anyone used Costco credit monitoring system? If so is it good?

I was just wondering how do credit scores work in association with credit cards and about how long would it take for a person to reach a good credit score rate ?

I’ve heard that you can get a free annual credit report online. Is that true? and if so, which companies provide these free credit reports online?