topic Re: Credit check total in General Credit Topics

Credit check total

MidnightOwl — Thu, 15 Apr 2010 16:01:59 GMT

First off, I apologize in advance if this topic was started previously. I ordered service with CCT 2 weeks ago, I've heard from alot of people that they allow you up to 5 pulls a day for your CR, even customer service told me that it was unlimited. Anyway, I go to try & pull my report several times & it only allows me 1 pull a day. I called back customer service and told them I was informed by 1 of their employees that a person has unlimited pulls or atleast 5 a day & she said no & she can't figure out why someone would tell me that. If anyone is using CCT can you tell me if your getting more than 1 pull per day ? I told the lady I want to cancel & that I can get basically get the same results with Truecredit & at a cheaper price. She tried to talk me into staying but, I told her no & that I wanted the entire $22.95 credited back to my Credit Card. There was no problem with that & she said she just put the credit through for the full amount right away. I was surprised, I was expecting a hassell or atleast her telling me she can't refund the entire amount but, she credited back the entire amount.

Re: Credit check total

JoeBJay20 — Thu, 15 Apr 2010 16:13:48 GMT

MidnightOwl wrote:
First off, I apologize in advance if this topic was started previously. I ordered service with CCT 2 weeks ago, I've heard from alot of people that they allow you up to 5 pulls a day for your CR, even customer service told me that it was unlimited. Anyway, I go to try & pull my report several times & it only allows me 1 pull a day. I called back customer service and told them I was informed by 1 of their employees that a person has unlimited pulls or atleast 5 a day & she said no & she can't figure out why someone would tell me that. If anyone is using CCT can you tell me if your getting more than 1 pull per day ? I told the lady I want to cancel & that I can get basically get the same results with Truecredit & at a cheaper price. She tried to talk me into staying but, I told her no & that I wanted the entire $22.95 credited back to my Credit Card. There was no problem with that & she said she just put the credit through for the full amount right away. I was surprised, I was expecting a hassell or atleast her telling me she can't refund the entire amount but, she credited back the entire amount.

I don't know of any service that offers more than 1 pull a day. I would be pointless to pull it 5 times a day, you'd just be getting the same report 5 times. Not sure who told you that, but they clearly were incorrect.

Re: Credit check total

laz98 — Thu, 15 Apr 2010 17:25:43 GMT

i can't imagine why you would need to pull your reports more than once a day. they're not going to change from moment to moment.

Re: Credit check total

Imhotrodcrazy — Thu, 15 Apr 2010 21:49:48 GMT

I have CCT to monitor my accounts. I happen to like their layout. They do a good job on updating my accts. You only get one pull a day, max. I don't think there is any reason for more than one pull a day. Even that seems like a lot to me.

Re: Credit check total

beamMEup — Fri, 16 Apr 2010 00:14:17 GMT

Like my CCT. One pull per day after initial trial period. They'll give you half off the monthly fee if you ask for it.

Re: Credit check total

Raziel77 — Mon, 19 Apr 2010 18:59:56 GMT

I pulled my report with them just to have a look, then applied for amex blue card, after 2 hours I got an alert from them by email that amex pulled my report, so they allowed me to do another pull in the same day, that is more than satisfactory. Hard inquiries are instant so one might wanna have a look at them in the same day, but man you can wait 24 hours!

Re: Credit check total

tray — Tue, 20 Apr 2010 12:40:17 GMT

Can anyone say what is the monthly fee for CCT is as I am interested and will cancel my True Credit monitoring service. Thanks

Re: Credit check total

beamMEup — Tue, 20 Apr 2010 15:51:08 GMT

tray - it's something like 19.95 per month. If you call to cancel and note the high cost as the reason, they'll offer you half off. I pay 9.95 - I'm on my second six month stint with them. They work fine for me, although some people note some discrepancies. Check out Ilecs post (below) for more details on his concern with them and details on other CMS's. If I try to pull a second report the same day, I'll get a message notifying me that I've had my maximum pulls for the day.

Credit Monitoring Service (CMS) Guide

Hope that helps.

Re: Credit check total

Imhotrodcrazy — Tue, 20 Apr 2010 16:07:14 GMT

beamMEup wrote:
tray - it's something like 19.95 per month. If you call to cancel and note the high cost as the reason, they'll offer you half off. I pay 9.95 - I'm on my second six month stint with them. They work fine for me, although some people note some discrepancies. Check out Ilecs post (below) for more details on his concern with them and details on other CMS's. If I try to pull a second report the same day, I'll get a message notifying me that I've had my maximum pulls for the day.

Credit Monitoring Service (CMS) Guide
Hope that helps.

I too get CCT for $9.95 for the same reasons, and done in the same way, as recommended by beamMEup.

Re: Credit check total

Nonaii — Wed, 28 Apr 2010 00:22:55 GMT

MidnightOwl wrote:
First off, I apologize in advance if this topic was started previously. I ordered service with CCT 2 weeks ago, I've heard from alot of people that they allow you up to 5 pulls a day for your CR, even customer service told me that it was unlimited.

a) Please name the people and/or websitse who told you that you could get up to five pulls a day on your credit report through credit check total, in 2010. If it's that big of a problem, then perhaps some of us can go to the offending sites and correct the misinformation, so that others are not put in the same position as you.

b) As of this weekend, Credit Check Total soft inquiries may no longer work towards the type of credit management which being able to pull five times a day is meant to assist with. At least in regards to Transunion. More information on this is being gathered by fellow consumers.

Re: Credit check total

MidnightOwl — Wed, 28 Apr 2010 00:40:54 GMT

I don't remember the site I was on when I saw that to be perfectly honest but, I feel like the idiot for even thinking that could have been remotely possibly. Anyway, I just signed up again with CCT on Saturday & they're taking $5.00 off per month after the 1st charge of $22.95 goes through so, It'll go down to &17.95 per month after that. I did ask if it could go any lower & the very nice customer service lady said they used to go as low as $9.95 but, they're no longer going to go past $17.95 for anyone. We'll see if different reports come in on that. I'm using CCT & TC in hopes of B* I hear it still works with TU & EQ so, I'm hoping it works for me. If not, I'll keep both services to monitor my reports no matter what. Sorry about the 5 day pulls confusion, I was only going by what I read on some other site which I blew through so fast I can't remember the name.

Re: Credit check total

RobertEG — Wed, 28 Apr 2010 02:08:18 GMT

Aside from the fact that most creditors only update once a month to your CR, and thus, in my opinion even daily pulls of CR, not to mention paying additioally for daily credit scores, is overkill, I would refrain from this for a different reason.

Sure, pulls of your own CR are not scored by FICO. But they are still recorded in your credit file. If you order a full copy of your CR from the FCRA compliance site at annualcreditreport.com, you will see each and every one of those buggers listed. When potentail creditors order your CR, they dont get the sanitized version marketed to we consumers, which dont list all these pulls. If a potential creditor sees a hundred inquiroes a month, that might be a factor beyond simple FICO scoring that may raise some concerns.

Re: Credit check total

Nonaii — Wed, 28 Apr 2010 02:18:53 GMT

RobertEG wrote:
If you order a full copy of your CR from the FCRA compliance site at annualcreditreport.com, you will see each and every one of those buggers listed.

What's at annualcreditreport isn't what banks receive, I thought. Also, yes when I would get my paper copies from the consumer reporting agencies themselves, i would never see all of my soft inquiry consumer initiated pulls for certain credit monitoring services. But it's hard for me to believe that the annualcreditreport version is what banks receive and that its a more pure version than what is passed off to consumers.

The only true 'pure' report would be the full factual, and that is not offered to consumers either, right?

Re: Credit check total

RobertEG — Wed, 28 Apr 2010 02:48:58 GMT

AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that's yours by law.

The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — once every 12 months. To comply with this legal requirement, the three major CRA established this non-commercial web site.

You can order all three at once, or one at a time.

Just order yours, and you will see the difference from consumer marketed credit reports, and at zero cost to you.

No, comercial lendors dont order their credit reports through myFICO as you see. . Yes, they see many things, such as special comments and specific reporting codes, that are sanitized from your consumer reports.

Re: Credit check total

beamMEup — Wed, 28 Apr 2010 05:25:15 GMT

RobertEG wrote:
When potentail creditors order your CR, they dont get the sanitized version marketed to we consumers, which dont list all these pulls. If a potential creditor sees a hundred inquiroes a month, that might be a factor beyond simple FICO scoring that may raise some concerns.

FWIW: And just so that others reading this post don't become unduly concerned.

Our mortgage loan officer gave us a copy of the credit report they pulled. It did not contain soft inquiries.

Re: Credit check total

Nonaii — Wed, 28 Apr 2010 12:47:35 GMT

RobertEG wrote:
AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that's yours by law.
The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — once every 12 months. To comply with this legal requirement, the three major CRA established this non-commercial web site.

You can order all three at once, or one at a time.
Just order yours, and you will see the difference from consumer marketed credit reports, and at zero cost to you.I hav
No, comercial lendors dont order their credit reports through myFICO as you see. . Yes, they see many things, such as special comments and specific reporting codes, that are sanitized from your consumer reports.

Hi again. I wonder if we're speaking around each other when we should be on the same side. I have ordered from the annual credit report site in the past, RobertEG. The only difference I've seen, when reviewing my reports as given to me when I've called the CRAs 800 numbers versus when ordered the annual credit report site is layout. The annual credit report site just takes me to the exact same place and gives me a confirmation number, just as I would have if I had ordered the reports from the CRAs... because it is the CRAs websites they're taking me to. There is nothing special about it, that I've seen. I just don't have to pay a fee.

And I see where my soft inquiries have been chopped, on both. Same information.

I have not ordered from the annual credit report since February of this year, so my experiences are probably outdated. That experience has been there is no difference (that I have detected.) I will probably need to pull a brand new report if there have been changes in what the annual credit report site .. reports.. since February of this year.

What special comments and specific reporting codes are you referring to as being on a commercial lender's report, which are not on the sanitized consumer reports? I guess what I'm really asking is: Are you also stating those special comments and specific reporting codes will ALSO be on one's annual credit report site report (the non sanitized consumer report)? because I haven't seen that. What should I look for, the next time I pull both, so I can have an 'a ha! that's cool' moment?

If, again, things have changed since February of this year, can you put up a copy (or explanation) of differences I should be looking for in the annual credit report site reports, which would be different from the reports ordered by 800 number/USmail/fax direct from the CRAs themselves?