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Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

EX report 23 pgs- bumpage concern

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


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
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Re: EX report 23 pgs- bumpage concern

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

Valued Contributor
Datx
Posts: 1,051
Registered: ‎05-20-2010
0

Re: EX report 23 pgs- bumpage concern

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

TU: 603 – EQ: 569 – EX: N/A – May 2010

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: EX report 23 pgs- bumpage concern

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


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: EX report 23 pgs- bumpage concern

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

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: EX report 23 pgs- bumpage concern

Should I stop daily pulls?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: EX report 23 pgs- bumpage concern

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.

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: EX report 23 pgs- bumpage concern

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.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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