Curious-when do y'all pull daily updates?

[Duncanrr]

Several free sites and pay sites allow you to get daily update of your reports. What time do y'all typically pull yours? I've been doing my USAA report in morning and free sites in afternoon.

[ceejx]

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@Duncanrr wrote:
Several free sites and pay sites allow you to get daily update of your reports. What time do y'all typically pull yours? I've been doing my USAA report in morning and free sites in afternoon.

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I use USAA CreditCheck ... I've been anxious so i pull mine about 2 seconds past midnight while I'm waiting to see my last negatives fall off but I keep telling myself I'm going to wait until the morning so I can see if any changes happen between midnight and 6... oh well

[proudnavymom]

I usually pull mine about 11:00 PM.  I use the Transunion 3 credit monitoring, but am thinking about changing to USAA since I've heard you can pull all 3 daily.    I also look at CK.

[rckstrscott]

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@seigex wrote:

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@Duncanrr wrote:
Several free sites and pay sites allow you to get daily update of your reports. What time do y'all typically pull yours? I've been doing my USAA report in morning and free sites in afternoon.

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I use USAA CreditCheck ... I've been anxious so i pull mine about 2 seconds past midnight while I'm waiting to see my last negatives fall off but I keep telling myself I'm going to wait until the morning so I can see if any changes happen between midnight and 6... oh well

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Ditto -- I pull mine early am, between midnight and 2am... then I check my free ones in the afternoon haha

-scott

[rckstrscott]

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@proudnavymom wrote:

I usually pull mine about 11:00 PM.  I use the Transunion 3 credit monitoring, but am thinking about changing to USAA since I've heard you can pull all 3 daily.    I also look at CK.

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Which Transunions are you using? Truecredit?

I cancelled my Truecredit, and then went with EliminateIDTheft.com -- Which.......uses Truecredit --- same engine, same results..

The funny thing, is while it looks virtually the same as truecredit, you get a daily pull of all three... and it's cheaper..... ha

-scott

[proudnavymom]

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@rckstrscott wrote:

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@proudnavymom wrote:

I usually pull mine about 11:00 PM.  I use the Transunion 3 credit monitoring, but am thinking about changing to USAA since I've heard you can pull all 3 daily.    I also look at CK.

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Which Transunions are you using? Truecredit?

I cancelled my Truecredit, and then went with EliminateIDTheft.com -- Which.......uses Truecredit --- same engine, same results..

The funny thing, is while it looks virtually the same as truecredit, you get a daily pull of all three... and it's cheaper..... ha

-scott

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Yes, Truecredit is what I use.  Oh, well that's good to know.  Thanks for the information.

[rckstrscott]

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@proudnavymom wrote:

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@rckstrscott wrote:

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@proudnavymom wrote:

I usually pull mine about 11:00 PM.  I use the Transunion 3 credit monitoring, but am thinking about changing to USAA since I've heard you can pull all 3 daily.    I also look at CK.

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Which Transunions are you using? Truecredit?

I cancelled my Truecredit, and then went with EliminateIDTheft.com -- Which.......uses Truecredit --- same engine, same results..

The funny thing, is while it looks virtually the same as truecredit, you get a daily pull of all three... and it's cheaper..... ha

-scott

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Yes, Truecredit is what I use.  Oh, well that's good to know.  Thanks for the information.

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EliminateIDTheft.com is fine for me. Its a pain because you have to pass like, three different log in windows to actually get to your credit reports..

But it provides the same GUI for the most part, the same credit scores, and tri-merged pulls daily...

It DOESN:T do the day to day comparison tho.. like with TC when you see an account fall off and it does the yellow -1 thing... that doesn't happen with this.. but I have had it two months, and love the daily tri-pulls

-scott

[marty56]

What is your goal in doing daily pulls?  If it is checking CC balances or derog action, TC does reports the report date for accounts so you could do pulls based on that.  I have also found their notifcation system on monitoring changes to your CR pretty good as well.  Much better then EQ's monitoring of your EQ FICO score.

[rckstrscott]

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@marty56 wrote:

What is your goal in doing daily pulls?  If it is checking CC balances or derog action, TC does reports the report date for accounts so you could do pulls based on that.  I have also found their notifcation system on monitoring changes to your CR pretty good as well.  Much better then EQ's monitoring of your EQ FICO score.

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Yeah.. I liked/like TrueCredit. I used it for 2 years... and I agree with the monitoring, its solid..

I went to EliminateIDtheft because it is cheaper, and offers daily pulls of all three instead of just TU -- same monitoring, same email, same interface. Its essentially the same system...

-scott

[Repo-ed]

Between 530-6am, every day.