Seem to be not so great limits..?

[Anonymous]

IMO, the goal of an app spree is to simply get your foot in the door with as many of your preferred lenders as you can and also have the new accounts age gracefully at the same time.

Then, once your foot is in the door and you've proven yourself, the sky is the limit in terms of CLIs. Also, when you apply for new credit in the future, other lenders will notice how diverse your credit accounts are and may be more willing to take a risk on you.

[Anonymous]

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@Anonymous wrote:
Wher do I go to see them all together?

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There's a "trick" on the Experian site. Basically, you sign up for the 7-day free trial that will allow you to view all 3 scores, cancel before the 7-day trial is up and then 30 days later sign up for a new free trial with a different card. I haven't had an issue doing this yet.

[Anonymous]

Ahh now that's an idea.. There has never been a method to my madness... Maybe I'll turn over a new rock

[wasCB14]

What's the argument that a high number of existing lenders is attractive to new lenders? I would think a lot from one lender would show more confidence than a little from several...on the rare occasion it would go to manual review and matter in the least.

[Drwaz99]

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@Anonymous wrote:

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@Anonymous wrote:
Wher do I go to see them all together?

---

There's a "trick" on the Experian site. Basically, you sign up for the 7-day free trial that will allow you to view all 3 scores, cancel before the 7-day trial is up and then 30 days later sign up for a new free trial with a different card. I haven't had an issue doing this yet.

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You don't even need to do this. If you log-in via a desktop computer, you can sign right back up for a $1 trial the day after your previous trial expires (with the same card). I've been doing that since Oct of last year. (the app seems to be much more hit-or-miss with this)

[Anonymous]

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@wasCB14 wrote:
What's the argument that a high number of existing lenders is attractive to new lenders? I would think a lot from one lender would show more confidence than a little from several...on the rare occasion it would go to manual review and matter in the least.

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I have no hard evidence to back up that statement. But I like to think if for example you have credit cards with Chase, BofA and Citi and have an extensive history of paying your balance with them in full, Wells Fargo would see you as less of an risk than someone with no credit history or only one credit card with a single lender.

[Anonymous]

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@Drwaz99 wrote:

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@Anonymous wrote:

---

@Anonymous wrote:
Wher do I go to see them all together?

---

There's a "trick" on the Experian site. Basically, you sign up for the 7-day free trial that will allow you to view all 3 scores, cancel before the 7-day trial is up and then 30 days later sign up for a new free trial with a different card. I haven't had an issue doing this yet.

---

You don't even need to do this. If you log-in via a desktop computer, you can sign right back up for a $1 trial the day after your previous trial expires (with the same card). I've been doing that since Oct of last year. (the app seems to be much more hit-or-miss with this)

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I've tried that as well, but I didn't want to keep pushing my luck, lol. 

That said, the Equifax and TransUnion scores only update every 30 days, so I don't see the benefit of signing right back up the day after the trial expire.

[Drwaz99]

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@Anonymous wrote:

---

@Drwaz99 wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:
Wher do I go to see them all together?

---

There's a "trick" on the Experian site. Basically, you sign up for the 7-day free trial that will allow you to view all 3 scores, cancel before the 7-day trial is up and then 30 days later sign up for a new free trial with a different card. I haven't had an issue doing this yet.

---

You don't even need to do this. If you log-in via a desktop computer, you can sign right back up for a $1 trial the day after your previous trial expires (with the same card). I've been doing that since Oct of last year. (the app seems to be much more hit-or-miss with this)

---

I've tried that as well, but I didn't want to keep pushing my luck, lol. 

That said, the Equifax and TransUnion scores only update every 30 days, so I don't see the benefit of signing right back up the day after the trial expire.

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You get a new 3 bureau pull each time (you have to navigate to the fico scores section and ask for it to refresh before you cancel the trial) and they certainly do update all 3. 

[Anonymous]

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@Drwaz99 wrote:

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@Anonymous wrote:

---

@Drwaz99 wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:
Wher do I go to see them all together?

---

There's a "trick" on the Experian site. Basically, you sign up for the 7-day free trial that will allow you to view all 3 scores, cancel before the 7-day trial is up and then 30 days later sign up for a new free trial with a different card. I haven't had an issue doing this yet.

---

You don't even need to do this. If you log-in via a desktop computer, you can sign right back up for a $1 trial the day after your previous trial expires (with the same card). I've been doing that since Oct of last year. (the app seems to be much more hit-or-miss with this)

---

I've tried that as well, but I didn't want to keep pushing my luck, lol. 

That said, the Equifax and TransUnion scores only update every 30 days, so I don't see the benefit of signing right back up the day after the trial expire.

---

You get a new 3 bureau pull each time (you have to navigate to the fico scores section and ask for it to refresh before you cancel the trial) and they certainly do update all 3. 

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Hmmm, that I didn't know. I might have to give it another try to see for myself.

[Anonymous]

You get a 3 bureau pull at the start of the trial. Every time you start. Even if 30 days have not passed. You do not receive a second 3 pull before when you cancel. They closed that loophole.

But you don’t need to use a different card or any other shenanigans. As soon as the 7 days have passed go back to the site, use your same account. As soon as you login they will ask you if you want to start a new 7 day trial of $1. It’s perfectly legit.