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MyPrivacyMatters - Refresh reports too much?

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BarryNTexas
Established Contributor

MyPrivacyMatters - Refresh reports too much?

I have been wanting to ask if when using MPM, can you refresh the all-3-in-one reports too often?  Can it lead to adverse actions from the the CRAs?

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
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Revelate
Moderator Emeritus

Re: MyPrivacyMatters - Refresh reports too much?

Not really no.

 

Historically refreshing too often (likely on multiple daily pullers) could lead to a split file which is a PITA to fix, but nothing beyond that and that was a stupid bug in EQ and TU's systems.  May still exist now but it's pretty sloppy as EX never had that issue.  I wouldn't worry about it personally.




        
Message 2 of 4
BarryNTexas
Established Contributor

Re: MyPrivacyMatters - Refresh reports too much?

Thanks Revelate... I have been doing my refresh once a week recently as I watched some derogs scroll off. 

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 3 of 4
EW800
Valued Contributor

Re: MyPrivacyMatters - Refresh reports too much?

I update my MPM reports about 3 times a week and have not had any issues.  

 

Don't hold me to this, however I thought I had a thread within this forum a couple of months ago where some folks mentioned that EIDT/MPM has a history of shutting down the accounts of those that they feel pull too often, however I do not know if that is factual information or not.  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
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