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Credit monitoring

New Contributor

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?
Message 1 of 7
6 REPLIES
Moderator Emeritus

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.  

Starting Score: 504
July 2013 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

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 7
Valued Contributor

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?


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 3 of 7
Valued Contributor

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): 09/14: TU: 784 | EQ: 752 | EX: 784
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
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 4 of 7
Valued Contributor

Re: Credit monitoring

Oh thanks Rocket


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 5 of 7
Moderator Emeritus

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
July 2013 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

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 7
Valued Contributor

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
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 7 of 7