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