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Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

where to get ex report

I want to check Inq's on my ex report what service should I get.

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Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: where to get ex report

USAA is a 3 bureau daily puller that you can see all of your hp's.  Even though the website says monthly if you sign up just call in and tell them you want the unlimited version.  I think that its maybe 20 bucks a month.


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webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: where to get ex report

Start with pulling your FREE Credit Report's from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores, they are what we call FAKO's.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Established Contributor
cashnocredit
Posts: 957
Registered: ‎07-18-2009

Re: where to get ex report

[ Edited ]

webhopper wrote:

Start with pulling your FREE Credit Report's from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores, they are what we call FAKO's.


The MyFICO reports are nicely done but don't include much of the info either including Inqs older than 1 yr. I believe the CRAs are required by law to provide full credit reports to consumers (but not scores) for a modest fee of somewhere around $10 but I'm not sure where to go to get them. The free annual reports are great but if you got them within the last year you can't get another and they don't offer to provide them for a fee. The ones with FAKOs cost as much or more and don't include all the info in an annual free report.  I don't mind paying for them but do mind not being able to get them since they are supposed to sell them to you upon request.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

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Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: where to get ex report

You can buy your Ex report at experian. I think it costs $11

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Established Contributor
cashnocredit
Posts: 957
Registered: ‎07-18-2009

Re: where to get ex report


webhopper wrote:
You can buy your Ex report at experian. I think it costs $11

webhopper,

I bought their "credit report only" about 5 months ago and it didn't include any soft inqs or details like the amounts paid and dates paid that are being reported now. I used to be able get on totalcreditcheck or when EX returned a report after they had corrected an entry like multiple CAs reporting the same account. After my negatives had dropped off when I would click the "dispute" option they would no longer open a detailed report so I canceled the service. Mostly I'm just curious as to who softs my CRs but that info doesn't seem to be available.  It's annoying to me since the FCRA clearly requires them to disclose the full report annually for free or when you purchase a report.

 

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
Established Contributor
bettercreditguy1
Posts: 744
Registered: ‎02-11-2012

Re: where to get ex report

Hey Cash,

You can log in directly to Tu, EX or EQ sites. After establishing your identity, they sell reports for around $ 7.00 or so each. They will offfer you their score for additional monies, however, they are base on their model and are NOT a FICO score. The beauty of the individual CU reports are the details. They show HPs, SPs, and the entire 84 months of payment history per accout. Hope this helps. Good luck in your journey.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


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