General Credit Topics

[Duncanrr]

I didn't know about the possible impacts of daily CR pulls from sites like USAA. I have something like 20 old SL accounts that still report and are in good standing and really help my AAoA. As a result, my EX report is 23 pages.

Since this report has some old accounts that still report and I'm getting a benefit from them, I'm concerned that my daily pulls will hurt me. Suggestions?

Also, what is an average page length to EX file?

Thanks,


Duncan

[llecs]

I've never heard of any file issues with Experian. I bet you're OK. BTW, their reports are longer too.

[Datx]

EX is immuned to bumpage. No need to worry about that.

[Duncanrr]

How about EX and TU. They have a number of the same accounts. Just not as much as ex.

[llecs]

EQ and TU? EQ is notorious for split files. TU not so much.

[Duncanrr]

Should I stop daily pulls?

[llecs]

I have about 30 active and reporting accounts. Because of my file size I stopped pulling daily. I will pull as needed though and don't worry about it. If it happens it happens. I do pull all 3 reqports directly from the CRAs each quarter just in case something were to happen. It would be easy to rebuild the file. But don't lose sleep. I know some in here subscribe to  a half-dozen plus CRAs and pull as much as they can.

[Duncanrr]

Thanks for advice.  Right now I pull: USAA, Experian and CK daily.  Ive kind of stopped CK as its not even close to my real TU scores (about 60 points lower than my current scores).  I have monthly monitoring services as well: CS, MyCreditInform and TU Quarterly.

I think I'll tone back the pulls some just as a precaution.  There isnt much movement on these anymore as my rebuild is basically done.  One 3 companies I'm working GW's with right now, and they are the only ones left on reports.  (Cap1 Auto, Verizon and Sallie Mae)

Duncan

P.S. not sure how much I'll be on here this week.  kind of depends on whether or not I have power.