topic Re: Is it dangerous to keep doing daily pulls? in General Credit Topics

Is it dangerous to keep doing daily pulls?

Anonymous — Wed, 03 Dec 2014 00:28:12 GMT

I recently started doing a daily pull of all three CRs. Primarily because I'm expecting a ton of stuff to fall off, balances to update, etc over the next two months. I'm not trying to do anything shady or funky by doing daily pulls - I'm just overly-impatient and excitedly watching my reports update.

But I read on a couple places online that doing daily pulls of EQ and TU could be dangerous and cause something called a split file? Is this true?

I'm using MyPrivacyMatters to do my daily pulls. If there is a danger to doing daily pulls, should I refrain from doing so and maybe just do a pull once a week or something?

Re: Is it dangerous to keep doing daily pulls?

tcbofade — Wed, 03 Dec 2014 03:31:56 GMT

There IS a danger, but I wouldn't lose any sleep over it.

Weekly pulls should really be enough. Patience.

Re: Is it dangerous to keep doing daily pulls?

takeshi74 — Wed, 03 Dec 2014 13:44:19 GMT

You should know when your accounts report and when to expect things to fall off so daily pulls aren't really necessary if you're concerned about adverse effects.

Re: Is it dangerous to keep doing daily pulls?

Anonymous — Wed, 03 Dec 2014 13:56:22 GMT

I'm new here, so take this with a grain of salt, but imo idk why pulling YOUR OWN info would have any negative affect.

Re: Is it dangerous to keep doing daily pulls?

juggar — Wed, 03 Dec 2014 17:15:20 GMT

Its called a split file, if you max out your file with soft inquiries it can create another file with the CB's.

I think people use this method to increase their credit scores or something like that (bumpage?). But I do know its frowned upon.

Re: Is it dangerous to keep doing daily pulls?

Anonymous — Wed, 03 Dec 2014 17:17:19 GMT

@juggar wrote:
Its called a split file, if you max out your file with soft inquiries it can create another file with the CB's.

I tihnk people use this method to increase their credit scores or something like that. But I do know its frowed upon.

Screw that. That sounds ridiculous for something as soft-hitting as a hard inquiry. I mean, unless you're doing tens and tens of inqs, but even then, I can comfortably wait a year for those inqs to fall out of the equation.

I'm in the middle of a gigantic dispute with Synchrony regarding late payments that posted to my account due to a questionable error on Synchrony's end. This is one reason why daily pulls are useful for me at the moment. For instance, I just discovered today that they didn't delete the late payments like they said they would. Instead they moved the late payments up by a few months.

But I'm fine with weekly pulls to play it safe. Not down with this split file drama!

Re: Is it dangerous to keep doing daily pulls?

aav — Sat, 06 Dec 2014 03:49:35 GMT

I pull daily with equifax when it lets me, but every year or so it overloads with sp's and stops working for awhile. I just wait it out for a few weeks and start over. I really don't need to pull I am just a little compulsive that way sometime lol.i also pull all 3 plus scores with credit secure daily except when EQ blocks it. I really need to lay off it for awhile as my scores have settled and there's not a lot of changes in the near future.

Re: Is it dangerous to keep doing daily pulls?

Anonymous — Sun, 07 Dec 2014 05:11:09 GMT

@tcbofade wrote:
Weekly pulls should really be enough. Patience.

Too long! Daily rules!

I'd pull 3x/day if I could on the cheap.