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YESSS! I need professional help. I have a spreadsheet prepared through April showing revenues and expenses. It also shows targeted utilization, savings amounts, and potential SD victims. I have Score Watch, Protect My ID, and Privacy Matters. I am so obsessed. I check the boards at least five times a day and refresh my report frequently. When I wake up in the mornings, I check for any Score Watch alerts before I set foot out of the bed. SMH- I need help.
i think its safe to say We are all hook to this sight in a way
You are certainly not alone!! I have myFico pinned as a tab along with a folder containing all my cc sites. I'm on myFICO constantly, even when I don't want to be. I check CK and CS every day and get a fresh report from USAA every day. I check my Wal-Mart TU even though I know it will not change for a month. I have all of my credit info in an Excel spreadsheet and I check/update that every day. I cannot stand to let unintended balances report. I'm a stickler for 9% max even though I'm not prepping my score for a big purchase or an app. When it's time to make a purchase, I mentally run through the cards in my wallet that day to make sure I get maximum rewards with that purchase. That can be maddening sometimes. I try to tell DH and sis how to raise their scores and I'm sure they think I'm obsessed. I may be. It's just that once you've had bad credit and decide to turn it around-and can see the reasons why you should-it just becomes (at least for me, obsessive). BUT.....I can quit whenever I want.
Refresh my 3 reports daily - Check
Check MyFico before getting out of bed - Check
I have a spreadsheet which tracks every expense and revenue I have by pay period with estimations through 2015.
There's also a tab which tracks when hard inquries will fall off.
And another tab which tracks when I should harass my CCC for CLI's. Keep the backdoor numbers in there listed next to each card too.
Myfico and another board which shall remain nameless also remain open throughout the day at work.
The ironic part is I work in credit ratings, but not the consumer kind.
@Epcot wrote:
I guess this is a good place to ask: is there any negative effect of pulling your CR daily for weeks or months at a time?
I have read that TL can be bumped off your reports. Not too certain so figured I would ask. I usually pull weekly but have been known to pull daily for a month or so when waiting for something to report/balance to update etc.
Pulling can lead to softs and softs can lead to a split file. But that's not too common. I used to pull daily for years and had no issues.