@Red1Blue wrote:
I have been pulling to TC report every day for the last 6 months and I did not had any problems with the service.
My 2 TU inqs went poof in mid-November. One was over a year old and not counted in FICO scoring, and the other would have stopped being counted in 3 weeks.
Naturally, I held off for a good ten minutes, and then I pulled my TU FICO. The effect on my TU score? It rose one point. (All the other score improvement showing on my sig line are from other things --lowered util, PIF'ing all but one CC, and aging of accounts.)
Now I'm worrying that I will be banned, too. Once banned from TC, the ban spreads to a lot of other monitoring sites (National City, Privacy Matters I think, etc), and many can't even get their TU reports and scores except by mail.
I pulled near-daily reports for almost three months, and I did it to monitor credit updates and to time my payments for util. I certainly didn't do it to get rid of an inq that would have stopped being counted this month anyway. I don't know if and when they will ban me, but if they do, I'm going to be extraordinarily p*ssed. I did not set out to do anything wrong, and just because they can't debug their software, they'd better not accuse me of attempted fraud.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007