@AirlinerDudeB6 wrote:
@lonelyisland wrote:
@Revelate wrote:
@pip3man wrote:
@toi34 wrote:If any of you are using any of the daily monitoring services to soft pull your credit reports then you are most likely inadvertantly *bumping the hard pulls off your reports. It only takes about 56 soft pulls on TU before the 57th causes a hard pull to *bump off, and so forth. The same thing happens with Equifax after 86 inqs (hard or soft), the 87th causes a hard pull to *bump off, and so forth.
I'm not sure about the exact science, but I remember reading something about that on here last summer.
For real, I guess it's soft pulling time for me then even tho I have few ATM. Just hate to see inquiries lol
It's not worth it: this procedure can also cause a split file and that's not something you want. Inquiries aren't a big deal, and exploiting a flaw in the two bureaus' data systems for something so trivial, is dubious at best.
So...I pull my report almost daily from USAA - not for this purpose, but to check on my report. Am I going to give myself a split file by doing so?
Also, I am pretty sure that I have pulled way more than 57 reports, since I have been using the service almost daily since November. I dont think any of my inqs are bumping off early.
Same Here...I am an USAA daily (almost) puller, and I have yet to see any impact on inquiries. I'm sure I have over the 57/87 pulls by now.
I am NOT doing it for that purpose, however.
I'm not positive on that 58 number. I would keep using the service as you are, but IIRC people who were doing it intentionally were doing multiple daily pullers.
Also, the information could be dated: this has never worked for Experian, and it shouldn't be a hard thing for EQ / TU to fix and it's been around for a while. I think based on what I saw on my recent EQ / TU pulls, that they're storing far less AR's than they used to based on my report which hardly had any on them when according to everything I've read, I'm getting more soft pulls than that from a few of my lenders, and nothing from CK / SW and one from DCU's service IIRC.
Anyway, what I'd suggest: pull your free EQ or TU report and see what's listed there for AR's from your daily service; I think it's a worthwhile sanity check anyway as they may be aggregated (last AR by a company, don't think I saw duplicates on mine) or they may only list the last few weeks or whatever as most of mine were way recent too. They may be whitelisting some now too, but if you do check, I'd be very interested in seeing what you find out.
@yellowcake wrote:
Over the last month or so, 5 hp's have been "removed" from my TU report, according to Credit Karma. I sure am not complaining, but I'm wondering:
1. Is this permanent?
2. What's causing it?
I'm curious...did you see an increase in your FICO and if so, about how many points?
⋅ INQs: 6
@TheFate wrote:Maybe CK is doing this to get you to apply for CC's thru their site?
Don't they get paid from each app directed thru their site?
That's interesting but not that far fetched.
On Experian it shows as USAA serviced by CIC and is showing months of daily pulls. Its like a page for itself.
Transunion (report from 7/15) shows 2 lines for it:
CONSUMER INFO.COM
18500 VON KARMEN A
#900
IRVINE, CA 92612
(877) 481-6826
#900
IRVINE, CA 92612
(877) 481-6826
Requested On:
07/13/2014, 06/23/2014, 06/16/2014, 06/12/2014, 06/01/2014, 04/21/2014, 04/01/2014, 02/26/2014, 12/21/2013, 12/18/2013
Permissible Purpose:
WRITTEN AUTHORIZATION
CONSUMERINFO via CONSUMER INFO.COM
PO BOX 2390
ALLEN, TX 75013
(877) 481-6826
ALLEN, TX 75013
(877) 481-6826
Requested On:
07/16/2014, 07/15/2014, 07/14/2014
Permissible Purpose:
CONSUMER REQUEST
And Equifax shows:
Company Information: CREDITEXPERT 1-866-673-0140 | Date of Inquiry: 07/22/14, 07/21/14, 07/20/14, 07/19/14, 07/18/14, 07/17/14, 07/16/14, 07/15/14, 07/14/14, 07/13/14, 07/12/14, 07/11/14, 07/10/14, 07/09/14, 07/08/14, 07/07/14, 07/06/14, 07/05/14, 07/04/14, 07/03/14, 07/02/14, 07/01/14, 06/29/14, 06/28/14, 06/27/14, 06/26/14, 06/25/14, 06/24/14, 06/23/14, 06/22/14, 06/20/14, 05/31/14, 04/30/14, 03/30/14, 02/27/14, 01/23/14, 12/30/13, 11/30/13 |