How Often Do You Pull Your Scores?

[Anonymous]

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CLove117 wrote:
I don't know my FICO score, because I don't have the money to pay for them right now.

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Totally understand. That's why I only have a couple myself.

My point was that all you really need to fix your credit are those free CRs. You can't fix problems based on FICO scores alone. You need the detail from the CRA CRs.

Message Edited by gordonbs on 08-13-2008 03:19 PM

[haulingthescoreup]

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@Anonymous wrote:
Now that Scorewatch is crippled, I only pull my score when I'm about to apply for credit or when I know there has been a big change to my credit report.

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Scorewatch isn't crippled. You just need to go in and manually reset your target score to your current score.

The way they tried to do it before wasn't triggering alerts, so they dropped it. But I've always used my current score as the target, and it works. Awfully counter-intuitive, I agree.

I was one of those several months back who had to get their registration re-set, because we weren't getting alerts, but once they did that, I'm back to getting alerts again. Although since EQ is sort of stagnant for me these days, I'm not getting them frequently. Maybe every 3-4 weeks or so. But that's because that's where my credit is now, just kind of plodding along, waiting for time to heal things.

[singulardedication]

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@Anonymous wrote:
I don't know my FICO score, because I don't have the money to pay for them right now.

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How about the SW free trial period?

[Repo-ed]

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@singulardedication wrote:

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@Anonymous wrote:
I don't know my FICO score, because I don't have the money to pay for them right now.

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How about the SW free trial period?

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I signed up for the free 10-day SW trial, today.  I'll likely keep it.

[Repo-ed]

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@Anonymous wrote:
How can anyone afford to pull all these scores? They need to have a service for people who can't afford it to get them for FREE!

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No, they probably should not be free. I do not like to work for free, and I'm most certain "MyFico" doesn't want to provide their services for free neither.

[Anonymous]

I pull fico usually twice a year. I do the CRs once a year. I used to do it a lot more but I cut back. It's real easy to go all OCD on it, so I try to chill now.

[haulingthescoreup]

Hey everyone, this is a 2008 thread.

Lots of the details about free trials and whatnot have changed.

Just wanted to point this out.