Here is the situation, I have been using Privacy guard for a few years now and it has worked flawlessly for being able to pull my credit report on a daily basis. I know it uses a FAKO score, but it really can in handy for looking at the report itself for changes. Now, every time I try to pull a report it comes back with an error stating they are having troubles pulling my report. Recently I opted out and am wondering if this will keep services like this from being able to pull my report. CK seems to work just fine, but I like to be able to study the report for changes/errors.