Sorry but all the products out there offer free trials, even myfico. And the one offered free there, there is no free trial involved. I find my advice totally adequate to the OP's question. It's just another choice.
Starting Score: EQ 737--TU 742
Anyway, I found the Softs very interesting.
On Jan 18th I applied for an Amex Premier Rewards Gold charge card. It was approved and I had a Hard pull on Experian on the 18th.
The next day, on the 19th on Exp I had Soft pulls from: Amex, Citibank, Wells Fargo and (3 different) Chase (entities). Yes, I have card products with those other banks, which means the Hard Amex pull on the 18th triggered their Softs on the 19th.
Man, they are watching us, aren't they??!!
How does a hard pull trigger soft pulls? They wouldn't know there's a hard pull until they do the soft pulls, right? Maybe I don't understand how it works.
Starting Score: 648Well, maybe an expert can jump in if my assumption is wrong, but the proximity of the pulls (one day apart) cannot be a conincidence.
My first thought is that my current banks must be getting some kind of notification from Experian when a new Hard Inquiry hits a customer's credit record.
Or maybe certain customers.
Some kind of subscription service Experian is selling them for current customers.
Which triggers an automatic soft on their part to check debt levels, lates or # of accounts, etc.
(Before you laugh, I'm in sales and I occasionally buy a D&B report on a prospect company before I try to sell them (why waste time calling on a company who can't pay their bills?) And then, if that company's D&B score should change months later, I get an unsolicited email from D&B saying "Hey, something changed at Company XYZ, come check it out! For a price of course.)
My next thought was possibly if my browsing through Chase and Citi's credit card pages triggered a soft pull from them, for example when I clicked a "what else does citi have for me" link, etc. I did not app anything on either Citi or Chase, was "just looking" and I was signed in to my banking pages, I have checking and card ccounts at both.
For me what was weird was I didn't visit Wells Fargo at all.
And haven't been Softed by any of the 3 since.
@larinoriani wrote:Sorry but all the products out there offer free trials, even myfico. And the one offered free there, there is no free trial involved. I find my advice totally adequate to the OP's question. It's just another choice.
Hate to continue the thread-jacking, but you participated in getting a "free" credit report from that website, and still somehow didn't know that it automatically enrolled you in a free trial? First, why did you think they asked for your credit card #? Second, what part of "offer applies with enrollment in TripleAdvantage" don't you understand?
If you did indeed get your free report there, check your credit card statement.
@thrasher865 wrote:Hate to continue the thread-jacking, but you participated in getting a "free" credit report from that website, and still somehow didn't know that it automatically enrolled you in a free trial? First, why did you think they asked for your credit card #? Second, what part of "offer applies with enrollment in TripleAdvantage" don't you understand?
If you did indeed get your free report there, check your credit card statement.
OMG NO! THEY DIDN'T OR HAVEN'T CHARGED MY ACCOUNT. THEY WILL TRY TO SELL SOME OF THEIR PRODUCTS (LIKE ANY OTHER SITE) BUT YOU CAN DECLINE THEM AN GET THE FREE REPORT ONLY.
If you'd actually READ; the free trial begins IF you check the box ordering your "free score" as well. I recommend you getting your facts straight before questioning my ability to understand the terms of an offer, or telling me to check my statement. (I check them everyday, thank you) PLEASE see below and notice the wording, what part don't YOU understand??
Add Your Credit Score
Get your FREE Credit Score with your Report when you start your
trial membership in Triple Advantage®!
trial membership in Triple Advantage®!
Membership helps you understand and take care of your credit. Try it FREE!
- See how your Credit Score looks and know when it changes
- Find out if errors on your Report are impacting your Score
- Learn the reasons your Score changes to develop better habits
- Upgrading gives you a Free Score AND instant access to your
Report, but is NOT required to get your Free Report.
.IMPORTANT INFORMATION When you order your free score here, you will begin your 7-day trial membership in Triple Advantage® Credit Monitoring. If you don't cancel your membership within the 7-day trial period*, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge
@MarineVietVet wrote:I thought Valentine's Day was supposed to bring out good will but this is the second thread today that I've had to remind everyone to be
Friendly, supportive, and respectful.
Sorry Marine, and I always am. But in some cases you need to defend your points if you know you are right....