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I've yet to see concrete evidence of large files leading to splits. Yes it happens, but as I said there's nothing concrete about how extra inquiries contribute to that.
However, the inquiry bumpage effects are very easy to notice.
WBLAKE wrote:Does Walmart/True Credit still offer this option. I only see:One time access to your complete 3-in-1 Report
with data from TransUnion, Experian and Equifax All three credit scores available-your first one
is complimentary Just $24.88 one time fee$24.88 is to pull all your 3 CR's once only. You don't have the luxury of pulling daily, weekly etc. As it stands I believe TC is the best out there for the price. If you have an Amex Card you can use Credit secure available only to Amex members and powered by Experian.