Amex tracking me with soft pulls.. and I'm not a member!

[Membersince2013]

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@Bman70 wrote:

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@Membersince2013 wrote:

This might sound stupid, but how are you checking your soft pulls?

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I pulled my reports from annualcreditreport.com. Another way, at least with TransUnion, is go click the online dispute link. It will let you examine your report several times for the purpose of disputing an item, but you can just close it afterward without going through with it.

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Awesome! I did that! I wish i can do the same for EX!

[09Lexie]

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@Bman70 wrote:

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@Membersince2013 wrote:

This might sound stupid, but how are you checking your soft pulls?

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I pulled my reports from annualcreditreport.com. Another way, at least with TransUnion, is go click the online dispute link. It will let you examine your report several times for the purpose of disputing an item, but you can just close it afterward without going through with it.

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This tactic is frowned upon at myFICO.  Even though you are not going through with a dispute, the process is for disputing inaccurate information not to view your CR's for free. 

~ Lexie, myFICO Moderator 

[Bman70]

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@09Lexie wrote:

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@Bman70 wrote:

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@Membersince2013 wrote:

This might sound stupid, but how are you checking your soft pulls?

---

I pulled my reports from annualcreditreport.com. Another way, at least with TransUnion, is go click the online dispute link. It will let you examine your report several times for the purpose of disputing an item, but you can just close it afterward without going through with it.

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This tactic is frowned upon at myFICO.  Even though you are not going through with a dispute, the process is for disputing inaccurate information not to view your CR's for free. 

~ Lexie, myFICO Moderator 

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I thought it might be a frowned upon "tactic"! However, I only noticed it because I tried to dispute my unauthorized hard pulls. Found out that hp aren't an available dispute option online. But in the process noticed I could view the whole report. 

[Bman70]

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@Membersince2013 wrote:

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@Bman70 wrote:

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@Membersince2013 wrote:

This might sound stupid, but how are you checking your soft pulls?

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I pulled my reports from annualcreditreport.com. Another way, at least with TransUnion, is go click the online dispute link. It will let you examine your report several times for the purpose of disputing an item, but you can just close it afterward without going through with it.

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Awesome! I did that! I wish i can do the same for EX!

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Well since it's not recommended to do that short of a real dispute - EX has a $1 credit report and score offer. It signs you up for 7 days of Credit Tracker - which you can cancel at any time during the trial. Here's the link: http://www.experian.com/credit-report-next.html