07-12-2013 01:58 PM - edited 07-12-2013 01:59 PM
Have you used annualcreditreport.com recently?
Personally, I consider EX to be the best value because with the report number you can use it for 3 months and it will update, while TU and EQ are a one-time deal.
ETA: As myjourney wrote, seeing SPs can be very useful. I like to monitor AmEx softs for amusement.
07-12-2013 02:01 PM
07-12-2013 02:08 PM
Ok thanks, is it mandatory that I see a SP? Or it doesn't matter? Because I'm paying myfico monthly to get my scores. I don't want to pay someone else to see a SP
It's mandatory that CRAs provide soft pull info and all other detail on your credit report when you get it directly. You get this with the annual free redit reports. Third party providers are not obligated to do this. Generally they condense and format a report to include the things that are of the most significance and format things in a way that is most easily understood.
MyFico reports don't include historical balance information nor hard inquiries that are over 1 year old. Older Inqs aren't reported because they don't affect FICO scores even though they may affect a lender's internal scores. Presumably, historical monthly balances are also not used in FICO scores since one could assume that if they were MyFICO reports would include them. This does seem odd to me since I would think trending info would be of some value in assessing risk. Maybe FICO does use them but current balance info is the most significant and consumers already know what their prior balances were.
It would be a lot more useful to credit geeks if MyFICO had an option to pull full reports given the fairly high cost to get them.
07-12-2013 02:09 PM
07-12-2013 02:16 PM - edited 07-12-2013 02:17 PM
So I have to get monthly reports from all three CRs, @myjourney I would like to know this info as well. How much are the fees for this report?,the one withthe Sp info. Is there anywhere I can get it for free?
You have 2 options
(1) yearly annual credit reports Free once a year includes all 3 CR's
(2) If you apply for credit and get denied you are entitled to a free report for that CR only
Other than that it will cost to pull any and that can be expensive
I don't advise unless your getting ready to app or need to see if baddies have been removed
07-12-2013 02:17 PM
07-12-2013 02:20 PM
From annualcreditreport.com. Make sure you write down the report number and you can reuse it for 3 months.
I am not sure if buying a report directly from experian.com will also let you use it for 3 months. Presumably yes.