topic Re: How Often Do You Pull Your Scores? in General Credit Topics

How Often Do You Pull Your Scores?

Anonymous — Sun, 03 Aug 2008 01:16:16 GMT

I use to pull mine like twice a month every month but that was getting very expensive i'm not gonna pull my score until the first of the year well i'll try hard not to lol but since i'm gonna put buying a house on hold i think i can chill out for now with the score buying.

Re: How Often Do You Pull Your Scores?

CreditDrama85 — Sun, 03 Aug 2008 01:23:50 GMT

my scores change a lot with the exception of experian. i pull them once a month. if you pull them more frequently the report probably wont reflect updates or there will be such a large change that the next time you pull the report, your score could have changed, settled, or adjusted.

Re: How Often Do You Pull Your Scores?

llecs — Sun, 03 Aug 2008 01:36:08 GMT

I pull each FICO report a minimum of 2x per month for DW and I. If something changes via TC, then I'll pull to see the cause and effect of it. I'll slow down to once every month when we buy a house or when we finish repair, which may be soon.

I'll also pull each CR directly from each CRA once a month.

Re: How Often Do You Pull Your Scores?

Anonymous — Sun, 03 Aug 2008 03:12:03 GMT

can someone explain the reasons one might pull a report vs just waiting for a score watch alert?

Re: How Often Do You Pull Your Scores?

llecs — Sun, 03 Aug 2008 03:46:17 GMT

Alexandria wrote:
can someone explain the reasons one might pull a report vs just waiting for a score watch alert?

SW only covers EQ. Your other 2 reports are just as important. Also, SW doesn't seem to catch falling baddies (other than via a target score change). Recently, I had a CA pop on for only 4-5 days before it fell off, but SW never caught it. And even if you do get a SW alert, it won't always tell you the specific reasons of a score change. For example on the CA above, when it fell off, I got a SW alert for a 14 pt increase and the reason: one or more of my balances increased. Now we know that a CC balance increasing didn't cause the increase, but rather the baddie falling off, albeit a CC balance did increase.

Re: How Often Do You Pull Your Scores?

Anonymous — Mon, 04 Aug 2008 02:22:30 GMT

I generally pull mine once a month, unless I have a compelling reason to believe something major has changed.

Re: How Often Do You Pull Your Scores?

Anonymous — Mon, 04 Aug 2008 21:04:00 GMT

I pulled mine twice last month but will only do once a month now. I would rather my money go to pay off my old bills as opposed to checking my scores all the time.

Though I do also pay for Truecredit every month,though I'm not sure how much I am loving it.

Re: How Often Do You Pull Your Scores?

smallfry — Mon, 04 Aug 2008 21:29:41 GMT

Unless you have major changes occurring to your reports and are in the process of a major purchase pulling a FICO is like watching a pot of water and waiting for it to boil. On top of that is is too much money.

Since I will not be applying for anything for quite some time and since I have pulled enough to know my scores ain't goin' anywhere I am on the once a year plan starting last week. That's it for me.

Re: How Often Do You Pull Your Scores?

Red1Blue — Mon, 04 Aug 2008 21:50:20 GMT

I pull my fako scores every day. Fico once in a month or so.

Re: How Often Do You Pull Your Scores?

brownee — Tue, 05 Aug 2008 20:33:19 GMT

Let me see if I have this straight. In order to get the REAL info, one must pull directly from www.experian/transunion/equifax.com and NOT from here on myfico?

Re: How Often Do You Pull Your Scores?

llecs — Tue, 05 Aug 2008 20:46:57 GMT

brownee wrote:
Let me see if I have this straight. In order to get the REAL info, one must pull directly from www.experian/transunion/equifax.com and NOT from here on myfico?

The only place to get all 3 FICOs together is only via MyFICO.

If you pull your reports directly from the 3 and order your scores you'll only find that EQ is a real FICO score. The other two if pulled from there are fake scores.

If you pull your report directly from the 3 you'll also find info you can't get from here or anywhere else (generally speaking) as you can from those sites like more contact info, more acct info, more acct history, and soft inquiries.

Edit to add....use both set of reports in tandem. Use both in repair (scores needed for cause and effect) and rebuilding (Mortgage lenders, for example, use mostly FICO scores).

Message Edited by llecs on 08-05-2008 04:46 PM

Re: How Often Do You Pull Your Scores?

Anonymous — Wed, 06 Aug 2008 21:30:45 GMT

I use scorewatch and pull TU and EQ every 6 months.

Message Edited by jessep28 on 08-06-2008 02:30 PM

Re: How Often Do You Pull Your Scores?

Anonymous — Tue, 12 Aug 2008 16:18:12 GMT

I just pulled and plan to pull in 6 months.

Re: How Often Do You Pull Your Scores?

Anonymous — Tue, 12 Aug 2008 16:31:12 GMT

jessep28 wrote:
I use scorewatch and pull TU and EQ every 6 months.

Message Edited by jessep28 on 08-06-2008 02:30 PM

Same. No point in pulling the others more often than that. I feel like ScoreWatch is the best product for someone obsessed with pulling FICO scores as often as possible. Unless I'm mistaken, it's the cheapest way to get the most frequent FICO score updates.

Re: How Often Do You Pull Your Scores?

Anonymous — Tue, 12 Aug 2008 16:33:07 GMT

Now that Scorewatch is crippled, I only pull my score when I'm about to apply for credit or when I know there has been a big change to my credit report.

Re: How Often Do You Pull Your Scores?

athensguy — Tue, 12 Aug 2008 17:53:01 GMT

I pulled once for a baseline. I'm also signed up for EQ scorewatch. I plan to pull again once my report looks like I want it to, to see if my score is high enough for me to consider apping for a couple of things.

Re: How Often Do You Pull Your Scores?

Tons_of_Debt — Wed, 13 Aug 2008 17:39:34 GMT

I pull my report several times a week.. have true credit with unlimited pulls. Scores? I pulled mine 8/1 and don't plan on pulling again til at least the end of October

Re: How Often Do You Pull Your Scores?

Anonymous — Wed, 13 Aug 2008 21:00:30 GMT

How can anyone afford to pull all these scores? They need to have a service for people who can't afford it to get them for FREE!

Re: How Often Do You Pull Your Scores?

Anonymous — Wed, 13 Aug 2008 21:09:48 GMT

You can get your CRs for free once a year. annualcreditreport.com

You also can get a free CR if you are victim of ID theft, have an adverse action against you, and various other reasons based on both federal and state law.

We like to post our FICO scores to show an apple to apple comparison with others, but all you really need to 'clean' up your credit is your CR.

Re: How Often Do You Pull Your Scores?

Anonymous — Wed, 13 Aug 2008 21:12:15 GMT

I don't know my FICO score, because I don't have the money to pay for them right now.