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hey all,
I always wondered which credit bureau do you guys pull and why? i don't find it necessary to pull from all 3 all the time. i usually pull equifax cause they seem like the main one for me and most info. i find transunion to be useless really and experian in the middle. what are your expreiences like? if you could only pull one bureau how do you decide which one?
@Anonymous wrote:hey all,
I always wondered which credit bureau do you guys pull and why? i don't find it necessary to pull from all 3 all the time. i usually pull equifax cause they seem like the main one for me and most info. i find transunion to be useless really and experian in the middle. what are your expreiences like? if you could only pull one bureau how do you decide which one?
I pull all three so I can check for possible errors on each one. I don't really favor one over another. It comes down to personal preference.
TrueCredit for a full three-way view once per month.
Direct CBR pulls to look at the soft INQ's about once every other month.
Score Watch so I am up to date on EQ FICO. (Which is most likely my lowest.)
transunioncs.com once in a while so I can peek at the TU FICO. (Not that frequently - just a little more often recently as I near 760!)
@Anonymous wrote:
I have Equifax SW so I monitor it constantly. It also seems to be used most for me. Then I pull TU with score every couple of months to check on it. I only pull Experian once a year for the free report. It is my least used based on accounts and inquiries and I personally HATE experian and refuse to give them my money. I pull it once a year to check for discrepancies and thats it.
Hi okstatefan...you can also pull your Experian reports free 2x year from Quizzle. They try to sell you credit-related products (which I don't even look at), but the reports are good.
At one time the CRB's business was regional. This goes way way back when the whole process was at a lower threshold of automation. Eventually those regional businesses all became national. While there are vestiges of that former regionality exist they are diminished almost to nothing now.
In other words...its a toss up, right!!!