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Wasted my free annual pull today for TU

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Repo-ed
Senior Contributor
‎05-24-2012 07:03 AM
‎05-24-2012 07:03 AM

Wasted my free annual pull today for TU

Received an alert from USAA CMS that a new account appeared on my Reports.  Saw a Capitol One TL that I did not recognize.

 

Not wanting to pull all 3 or purchase it directly through here, I used my free pull.

 

Ya, after further deduction, it was just my HSBC TL being changed to reflect the new account name -- that being, Capitol One.

 

Dang it..

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 1 of 7
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6 REPLIES 6
injustifiiable
Valued Contributor
‎05-24-2012 08:25 AM
‎05-24-2012 08:25 AM

Re: Wasted my free annual pull today for TU

Same happened to me.

 

I have Credit Karma though and was able to see it there.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 2 of 7
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bichonmom
Senior Contributor
‎05-24-2012 11:33 AM
‎05-24-2012 11:33 AM

Re: Wasted my free annual pull today for TU

Can't you just look at the CR on USAA? When I get an alert that I have a question about, I refresh my CR (which is free w/them) and check out all 3 CRs just to be sure everything is okay.

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 3 of 7
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aussiesareforever
Established Contributor
‎05-24-2012 07:02 PM
‎05-24-2012 07:02 PM

Re: Wasted my free annual pull today for TU

@bichonmom wrote:

Can't you just look at the CR on USAA? When I get an alert that I have a question about, I refresh my CR (which is free w/them) and check out all 3 CRs just to be sure everything is okay.

 

+1


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 4 of 7
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JenniferinFL
Frequent Contributor
‎05-24-2012 07:07 PM
‎05-24-2012 07:07 PM

Re: Wasted my free annual pull today for TU

Wasted my husbands free Equifax pull because a Sears Citi rep said he had a collection and a credit score of 659. So, I panicked and pulled it, no collection. I asked the guy a couple times if it was a fico score and he insisted it was. Finally got the letter in the mail today and it's not a fico score, but a "score based off of information in your credit report that ranges between 250-900." What a waste of free credit report..  I feel your pain.

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 5 of 7
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Anonymous
Not applicable
‎05-24-2012 08:21 PM
‎05-24-2012 08:21 PM

Re: Wasted my free annual pull today for TU

@Repo-ed wrote:

Received an alert from USAA CMS that a new account appeared on my Reports.  Saw a Capitol One TL that I did not recognize.

 

Not wanting to pull all 3 or purchase it directly through here, I used my free pull.

 

Ya, after further deduction, it was just my HSBC TL being changed to reflect the new account name -- that being, Capitol One.

 

Dang it..

Seems to me not using your Free Annual is a waste.   It is good to use it every year even if you don't suspect anything.

Message 6 of 7
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Repo-ed
Senior Contributor
‎05-25-2012 03:47 AM
‎05-25-2012 03:47 AM

Re: Wasted my free annual pull today for TU

@bichonmom wrote:

Can't you just look at the CR on USAA? When I get an alert that I have a question about, I refresh my CR (which is free w/them) and check out all 3 CRs just to be sure everything is okay.

 

You are exactly correct.

 

But for whatever reason - still hadn't woken up, etc... - I just didn't trust their pull.

 

Lesson learned for sure.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 7 of 7
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