topic Re: b*/ chopping in Understanding FICO® Scoring

b*/ chopping

samantha1178 — Wed, 18 Mar 2009 19:40:42 GMT

I have CCT and I have been pulling my reports daily for about 2-3 weeks. I have been reading that this could result in EQ deleting positive accounts. Should I stop pulling my reports daily, and pull them once a week or so? I really don't want to lose my good accounts. I have researched this but I am having trouble finding information.

Re: b*/ chopping

llecs — Wed, 18 Mar 2009 20:01:14 GMT

I've been pulling daily for about a year and never experienced any problems. It is known that excess EQ pulls could result in a split file.

Re: b*/ chopping

haulingthescoreup — Wed, 18 Mar 2009 22:10:48 GMT

I lost a closed account from EQ early. It had only been closed for around 4 years or so. It was never on the other two, and now EQ has my shortest AAoA, partly due to this.

That was back in the golden days of TrueCredit, and I was probably pulling 5 times a week.

Re: b*/ chopping

smallfry — Thu, 19 Mar 2009 00:09:37 GMT

Split files with Equifax should become more rare. I have noticed that they only show 1 account review per issuer on my reports now and have for some time. They drop an entry each time I receive an account review from all my issuers. Only the most recent pull shows on the reports. Not legal but I don't care.

Re: b*/ chopping

Junejer — Mon, 23 Mar 2009 18:19:05 GMT

I noticed EQ chopping my softs about a year ago. They would chop the older soft INQs and deep the newer ones around. They have consistently done this to me for nearly a year now.