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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Curious-when do y'all pull daily updates?

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.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Posts: 434
Registered: ‎05-16-2012
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Re: Curious-when do y'all pull daily updates?


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.

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 :smileyhappy: 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 :smileyhappy:

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17,500 / USAA AMEX $7,200 / USAA AMEX $4,000 / USAA VISA $4,000 / CHASE FREEDOM $3,000 / Lowes $2,500 / CarCareOne $1,800
Regular Contributor
Posts: 240
Registered: ‎11-29-2008
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Re: Curious-when do y'all pull daily updates?

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.

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Curious-when do y'all pull daily updates?


seigex wrote:

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.

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 :smileyhappy: 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 :smileyhappy:


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

 

-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
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Curious-when do y'all pull daily updates?


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.



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

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
Regular Contributor
Posts: 240
Registered: ‎11-29-2008
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Re: Curious-when do y'all pull daily updates?


rckstrscott wrote:

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.



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


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

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Curious-when do y'all pull daily updates?


proudnavymom wrote:

rckstrscott wrote:

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.



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


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



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

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
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: Curious-when do y'all pull daily updates?

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.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Curious-when do y'all pull daily updates?


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.



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

 

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
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: Curious-when do y'all pull daily updates?

Between 530-6am, every day.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

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