topic Re: how can you tell if you've been SP'd in Credit Cards

how can you tell if you've been SP'd

hardworkrebuilding — Tue, 25 Dec 2012 00:58:32 GMT

How is it that forum members can tell they've been SP'd? Not just from time to time, but seem to be frequently updated. How does it show on a report? Is it listed differently than a hard pull?

Re: how can you tell if you've been SP'd

Anonymous — Tue, 25 Dec 2012 01:01:24 GMT

I'm gonna assume they're subscribed to SW.

Re: how can you tell if you've been SP'd

Rhaeny — Tue, 25 Dec 2012 01:01:25 GMT

Well for EQ monitoring you can pull one of those everday. For TU the only way I know of is the backdoor method but you can get locked out doing that. For EX if you have a report number you can check that on line by just going to their website.

Re: how can you tell if you've been SP'd

j_casteel — Tue, 25 Dec 2012 01:09:59 GMT

I have SW, but if you have to pull a new report each time to check for SP's that would get pricey quick.

Re: how can you tell if you've been SP'd

hardworkrebuilding — Tue, 25 Dec 2012 01:27:58 GMT

I think I read in another thread annualcreditreport.com shows soft pulls... no sure how they're listed. Does SW report FICO or not? If not, is it close?

Re: how can you tell if you've been SP'd

Anonymous — Tue, 25 Dec 2012 01:42:14 GMT

When I pull my reports my inquires are broken down into two separate categories. The hard pulls are listed under headings such as "inquires shared with others," "regular inquires" or "inquiries that may impact your credit rating." Any soft pulls are normally listed under headings such as "inquiries shared only with you," "account review inquiries," or "inquiries that do not impact your credit rating."

Hope this helps...

Re: how can you tell if you've been SP'd

hardworkrebuilding — Tue, 25 Dec 2012 02:41:22 GMT

Before someone else has to bring it up, I see SW is a myfico.com product, and offers FICO scores. I've ordered single reports (EQ & TU) from myfico... but I had not used SW. I feel a little silly asking about who offers a product on that company's forum. I also feel the need to confirm I might have a problem as I am posting this while I watch a Christmas movie on the sofa with my wife...ON CHRISTMAS EVE.

Re: how can you tell if you've been SP'd

SnackTrader — Tue, 25 Dec 2012 03:19:06 GMT

Here's what I do -

I pull my Experian report for free every November from annualcreditreport.com. This shows all info on your report. It is a site set up to follow federal regulations regarding credit bureaus. I print the report, and use the report number to re-access my report every week until they won't let me anymore. This is all free, and all updated every time I pull it.

I do the same for Equifax every July and Transunion every March.

But anyway, no reason to pay for your report when you can access it for free. However, if you want to pay for your FICO score, that's your decision.

Re: how can you tell if you've been SP'd

hardworkrebuilding — Tue, 25 Dec 2012 04:07:16 GMT

@SnackTrader wrote:
Here's what I do -

I pull my Experian report for free every November from annualcreditreport.com. This shows all info on your report. It is a site set up to follow federal regulations regarding credit bureaus. I print the report, and use the report number to re-access my report every week until they won't let me anymore. This is all free, and all updated every time I pull it.

I do the same for Equifax every July and Transunion every March.

But anyway, no reason to pay for your report when you can access it for free. However, if you want to pay for your FICO score, that's your decision.

Thank you. That's was exactly the information I needed. I will probably order my free experian first since it is not offered on myfico. In fact this will help when I consider coming out of the garden in April or May.

Re: how can you tell if you've been SP'd

SnackTrader — Tue, 25 Dec 2012 05:15:13 GMT

Glad I can help. After you pull the first time at annualcreditreport.com, just go straight to Experian.com and click "View Report Again" at the bottom of the page under Credit Assisstance.

I just did it again tonight, more than 30 days after my initial pull. I can't speak for how long this ability lasts on any of the Bureaus (probably 90 days based on info on Experian's website), but it can certainly be useful for as long as it is available.

Re: how can you tell if you've been SP'd

Duncanrr — Tue, 25 Dec 2012 07:04:42 GMT

A SP is a SP but a HP is fruit and cake. (I miss the old fig newton commercials)

Re: how can you tell if you've been SP'd

armbenderc — Tue, 25 Dec 2012 14:21:08 GMT

@Anonymous wrote:
When I pull my reports my inquires are broken down into two separate categories. The hard pulls are listed under headings such as "inquires shared with others," "regular inquires" or "inquiries that may impact your credit rating." Any soft pulls are normally listed under headings such as "inquiries shared only with you," "account review inquiries," or "inquiries that do not impact your credit rating."

Hope this helps...

This is exactly right.

Re: how can you tell if you've been SP'd

tennisfan78 — Tue, 25 Dec 2012 20:37:50 GMT

@SnackTrader wrote:
Glad I can help. After you pull the first time at annualcreditreport.com, just go straight to Experian.com and click "View Report Again" at the bottom of the page under Credit Assisstance.

I just did it again tonight, more than 30 days after my initial pull. I can't speak for how long this ability lasts on any of the Bureaus (probably 90 days based on info on Experian's website), but it can certainly be useful for as long as it is available.

Thanks for this information. Very helpful!!!