EX is immuned to bumpage. No need to worry about that.
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.
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)
P.S. not sure how much I'll be on here this week. kind of depends on whether or not I have power.