For many of us, it depends on where our credit ratings are, how soon we plan to make a big purchase (car, house, etc), when we "expect" our scores to change (via falloffs or good behavior), and how OCD we are regarding our scores. I'm happy with my scores now. And I know when to expect some improvements via falloffs and aging credit card accounts this summer, so I probably won't pull again until april or may. I will pull more often as I get closer to the end of the year as I am expecting to buy a car at that time. After that, I probably will pull quarterly, if that often.