Is it dangerous to keep doing daily pulls?

[Anonymous]

I recently started doing a daily pull of all three CRs.  Primarily because I'm expecting a ton of stuff to fall off, balances to update, etc over the next two months.  I'm not trying to do anything shady or funky by doing daily pulls - I'm just overly-impatient and excitedly watching my reports update.  

But I read on a couple places online that doing daily pulls of EQ and TU could be dangerous and cause something called a split file? Is this true?

I'm using MyPrivacyMatters to do my daily pulls.  If there is a danger to doing daily pulls, should I refrain from doing so and maybe just do a pull once a week or something?

[tcbofade]

There IS a danger, but I wouldn't lose any sleep over it.

Weekly pulls should really be enough.  Patience. 

[takeshi74]

You should know when your accounts report and when to expect things to fall off so daily pulls aren't really necessary if you're concerned about adverse effects.

[Anonymous]

I'm new here, so take this with a grain of salt, but imo idk why pulling YOUR OWN info would have any negative affect.

[juggar]

Its called a split file, if you max out your file with soft inquiries it can create another file with the CB's. 

I think people use this method to increase their credit scores or something like that (bumpage?). But I do know its frowned upon. 

[Anonymous]

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@juggar wrote:

Its called a split file, if you max out your file with soft inquiries it can create another file with the CB's. 

I tihnk people use this method to increase their credit scores or something like that. But I do know its frowed upon. 

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Screw that.  That sounds ridiculous for something as soft-hitting as a hard inquiry.  I mean, unless you're doing tens and tens of inqs, but even then, I can comfortably wait a year for those inqs to fall out of the equation.

I'm in the middle of a gigantic dispute with Synchrony regarding late payments that posted to my account due to a questionable error on Synchrony's end.  This is one reason why daily pulls are useful for me at the moment.  For instance, I just discovered today that they didn't delete the late payments like they said they would.  Instead they moved the late payments up by a few months.  

But I'm fine with weekly pulls to play it safe.  Not down with this split file drama!

[aav]

I pull daily with equifax when it lets me, but every year or so it overloads with sp's and stops working for awhile. I just wait it out for a few weeks and start over. I really don't need to pull I am just a little compulsive that way sometime lol.i also pull all 3 plus scores with credit secure daily except when EQ blocks it. I really need to lay off it for awhile as my scores have settled and there's not a lot of changes in the near future.

[Anonymous]

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@tcbofade wrote:

Weekly pulls should really be enough.  Patience. 

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Too long! Daily rules!

I'd pull 3x/day if I could on the cheap.