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Valued Contributor
nyccc2
Posts: 1,195
Registered: ‎12-13-2007
0

Woah, didn't know pulling CRs could get you banned...

"The TU product and TU resellers have starting banning people who pull their reports "too often". Exactly what constitutes "too often" is very unclear, but what's clear is that once banned one cannot easily get back in."

I've been updating my CR on TrueCredit every couple of days to see when a new account gets added and also a couple disputed items fall off and impact. Will they ban me for that?

I also now have Scorewatch (Equifax) and FICO Quarterly Monitoring (Transuinion) so will exessive pulls affect those?
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Senior Contributor
ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
0

Re: Woah, didn't know pulling CRs could get you banned...

Excessive was for people that pulled daily, when TC felt they had a specific motive for daily pulls trying to over load the credit file. I have not heard of anyone lately being banned as some fought back for being banned, legally or politically.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Moderator Emeritus
fused
Posts: 16,378
Registered: ‎03-12-2007
0

Re: Woah, didn't know pulling CRs could get you banned...

This has been known for several months, and I was permanently banned from TC and all the other TU resellers for pulling my reports 3-4 times a week.
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Woah, didn't know pulling CRs could get you banned...



fused wrote:
This has been known for several months, and I was permanently banned from TC and all the other TU resellers for pulling my reports 3-4 times a week.



I got banned from Truecredit and Chase Identity Protection some time ago. I am pulling Chaseidprotection now and Privacy Matters let me back in free. No idea why. Chaseid is not the same as Chaseidentity.
Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Re: Woah, didn't know pulling CRs could get you banned...

I have Chaser IP and have been pulling regularly with no problem.  But I am keeping my fingeres crossed, and have Amex credit secure as well at the moment
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: Woah, didn't know pulling CRs could get you banned...

I have TrueCredit, and I was pulling 5-6 x week for several months. I've slowed down quite a bit now, maybe twice a week, but I'm always vaguely surprised when I can get back in.

As pizza said, this seems to have calmed down now. Someone must have finally started listening to the company lawyers.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
granny031350
Posts: 951
Registered: ‎12-04-2007
0

Re: Woah, didn't know pulling CRs could get you banned...

I went to trucredit this am and now they offer you the option of pulling all 3 or just pulling tu report.  It caught me by surprise.  But now I have it figured out. 
Established Contributor
modernsurrender
Posts: 805
Registered: ‎02-01-2008
0

Re: Woah, didn't know pulling CRs could get you banned...

Makes me paranoid since I've pulled daily on TU for about a week now lol
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Moderator Emeritus
WhirledPeasPlease
Posts: 3,418
Registered: ‎12-27-2007
0

Re: Woah, didn't know pulling CRs could get you banned...

I've pulled daily since December on TU.  I figured LET them ban me!  :smileyhappy:
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Established Contributor
modernsurrender
Posts: 805
Registered: ‎02-01-2008
0

Re: Woah, didn't know pulling CRs could get you banned...

lol :smileyvery-happy:
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)

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