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Bigdaddy69
Posts: 64
Registered: ‎05-21-2012

Credit monitoring

I know that all three are fako scores but which one is closer to being accurate?

 
EQ complete: Eq 542
USAA              Eq 644
MPM               Eq  592
 
Also I have 49 softs how much longer till *B at three pulls per day?
I am in Oklahoma when does *C occur?
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Shogun
Posts: 10,910
Registered: ‎04-15-2011

Re: Credit monitoring

All FAKOS.  No telling which one is close if at all.  You are going for bumpage.  I strongly urge you to stop.  You run the risk of splitting your file, locking yourself out of your CRs and deleting positive TLs.  


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annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Credit monitoring

SHogun I see you mention not pulling file daily. Why? Can they take off your accounts and why would they split a file?


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rckstrscott
Posts: 2,656
Registered: ‎04-25-2011

Re: Credit monitoring


annielorie wrote:

SHogun I see you mention not pulling file daily. Why? Can they take off your accounts and why would they split a file?


Pulling daily isn't really the issue, the OP is pulling THREE times daily, on the same file. The bumpage that can occur isn't always for the best is what Shogun was driving at.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
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Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
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annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Credit monitoring

Oh thanks Rocket


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Current Score: TR??FICOEQ ?? FICO
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Moderator
Shogun
Posts: 10,910
Registered: ‎04-15-2011

Re: Credit monitoring

+1 Scott.  There's lots of people that do daily pulls, that's not a problem.  But  pulling multiple times a day, via different CMS's can definitely create a problem.


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Credit monitoring

Guess i shouldnt pull credit sharma then with my daily monitortin g will do


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
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