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DOZENS of Soft Pulls from Experian

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Dapper_Dan
Contributor

DOZENS of Soft Pulls from Experian

I'm looking at my credit reports that I've pulled annually from annualcreditreport.com and I see DOZENS of SP's from Experian.

 

I don't mean inquiries on my Experian report. I mean Experian themselves has pulled my report from Experian, TransUnion, and Equifax nearly 75 times in the past 3 years.

 

Is this normal?

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
Message 1 of 5
4 REPLIES 4
Shogun
Moderator Emeritus

Re: DOZENS of Soft Pulls from Experian

Do you have a CMS that you use?
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 5
Dapper_Dan
Contributor

Re: DOZENS of Soft Pulls from Experian

I used to subscribe to score watch with creditreport.com, but that expired in 2009.

 

A majority of pulls were done in 2010 and 2012.  And... Experian bought creditreport.com back in 2010 I believe.  I called Experian about my old creditreport.com account and they couldn't find me in their system after checking for SS#, email addresses, phone number - no record of me.

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
Message 3 of 5
lg8302ch
Senior Contributor

Re: DOZENS of Soft Pulls from Experian

Do you use any of the free services like Quizzle, Credit, Credit Sesame ?  I am sure these would also reflect as SP somewhere on the EX report.

Message 4 of 5
Dapper_Dan
Contributor

Re: DOZENS of Soft Pulls from Experian

I didn't sign up for any free services.  So does this mean I'm a possible identity theft victim?  Here's just a random sample compiled list of SP from just my Experian reports.  This is from annual pulls that I have from 2010, 2012, and 2013.  Notice that there are some days with several SPs....  could this be from a CMS?  I have not been signed up for any CMS since 2008.

 

08/30/2012 08/24/2012 08/22/2012 08/17/2012 08/13/2012 08/19/2012 09/23/2012 09/12/2012 08/30/2012 08/24/2012 08/22/2012 06/11/2012 08/31/2012 08/31/2012 08/28/2012 08/21/2012 12/07/2012 08/23/2012 08/23/2012 06/11/2012 08/30/2011 10/26/2010 08/28/2010 07/21/2010 07/02/2010 06/07/2010 05/18/2010 03/28/2010 03/01/2010 03/01/2010 03/01/2010 02/06/2010 01/07/2010 12/23/2009 11/19/2009 10/16/2009 09/01/2009 08/18/2009 08/07/2009 02/06/2010 01/07/2010 12/23/2009 11/19/2009 10/16/2009 09/01/2009 08/18/2009 08/07/2009 08/07/2009 07/22/2009 06/04/2009 06/04/2009

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
Message 5 of 5
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