topic Re: SP help.. in Understanding FICO® Scoring

SP help..

JoMellow — Sun, 08 Mar 2015 15:34:32 GMT

I've got the 3B monitoring but the reporting doesn't show SP's..

I also use Experian *check your reports again* that shows who has SP'd you recently..

What report/website can I use to find out and monitor when TU and EQ sp?

Re: SP help..

Barry — Sun, 08 Mar 2015 15:57:02 GMT

Reports pulled from Annual Credit Report.com show those soft pulls and are generally more complete than the reports you get elsewhere.

Re: SP help..

JoMellow — Sun, 08 Mar 2015 16:11:13 GMT

If I want to review them regularly then I'd have to buy the reports each time (after getting my one free annual report per year)?

Re: SP help..

Barry — Sun, 08 Mar 2015 16:45:34 GMT

Yes, that's true. I doubt any of the reports included in any of the credit monitoring products provide SPs, though I'm sure others here will chime in if any such monitoring services do exist. Depending on how often you'll feel the need to monitor your SPs, you may want to weigh the cost of additional ACR pulls vs. monitoring services that include SPs, if any exist.

Re: SP help..

JoMellow — Sun, 08 Mar 2015 20:52:07 GMT

I'm more than a bit curious to be honest - to see how often and who of my creditors are sp'ing on a regular basis.. but sometimes it's more practical to leave the curiosity alone. I have a free ACR available soon - I'll wait til then and then maybe do a 6 month comparison.

Thanks for your insight.

Re: SP help..

Anonymous — Fri, 13 Mar 2015 05:50:42 GMT

Get your free credit report from annualcreditreport.com..... {Edited to remove discussion of credit repair tactics not allowed-MarineVietVet, myFICO moderator}

Re: SP help..

RobertEG — Mon, 09 Mar 2015 22:02:44 GMT

After viewing my soft pulls a few times, I qucikly lost interest.

Re: SP help..

Barry — Mon, 09 Mar 2015 22:46:00 GMT

I agree. Pretty uninteresting stuff after the first look. (but still a good question)

Re: SP help..

JoMellow — Fri, 13 Mar 2015 05:52:08 GMT

@Anonymous wrote:
Get your free credit report from annualcreditreport.com..... {Edited}

Thanks - I got it. Lucky I did because there was actually something that didn't belong there so I've filed a dispute with them.

Re: SP help..

JoMellow — Tue, 10 Mar 2015 00:18:16 GMT

@RobertEG wrote:
After viewing my soft pulls a few times, I qucikly lost interest.

I was partially interested because there was a fairly big change to my credit file rececntly so I am curious to see who is looking at me and if I needed to be looking back at them. I also just did a 3x on AMEX and requested a few cards closed; so along with viewing the SP's I want to see what effect (if any) there is on these account changes.

Re: SP help..

JoMellow — Tue, 10 Mar 2015 00:20:09 GMT

@Barry wrote:
I agree. Pretty uninteresting stuff after the first look. (but still a good question)

I look forward to a day when my report is uninteresting enough not to look at any more

Re: SP help..

joedtx — Fri, 13 Mar 2015 05:53:02 GMT

@JoMellow wrote:
@Anonymous wrote:
Get your free credit report from annualcreditreport.com..... {Edited}.
Thanks - I got it. Lucky I did because there was actually something that didn't belong there so I've filed a dispute with them.

Not advised you can banned from pulling your report if you get discovered. Use the search on this site for examples.