What is the best or least-expensive way to find out how many SPs you're getting from lenders?

[galahad15]

What is the best or least-expensive way to find out how many SPs you're getting from your lenders?  IIRC, neither creditkarma nor MyFICO's 3B reports show SPs , only HPs.  I think that EQ's website's credit reports show SPs, but I was just wondering if anyone knows of any other free or low-cost ways to do it that are out there?  (ETA:  plus, aren't EQ's credit reports also all FAKOs?)  Thanks

[redpat]

Well you at least know it's once a month w/ Amex, Citi, and Discover and others that give you a credit score.

IDK why is it so important?  Don't live on the edge of paranoia worrying about being SP'd.

If you got em use em.

[Themanwhocan]

You can only find out about SP by requesting a credit report directly from the credit reporting agencies.

By definition, SP inquiries are not shared with anyone else, thus you cannot obtain them from anyone else.

[galahad15]

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@redpat wrote:

Well you at least know it's once a month w/ Amex, Citi, and Discover and others that give you a credit score.

IDK why is it so important?  Don't live on the edge of paranoia worrying about being SP'd.

If you got em use em.

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Not paranoid, merely curious is all    Before I was aware of the MyFICO 3B report + scores, I was pulling my credit reports from EQ's website which did list SPs based on my recollection, although once I learned that EQ's reports were FAKOs, I stopped pulling them there and now pull from MyFICO, in order to obtain true FICO scores.

[daybreakgonesXe]

To revise my post from before:

The only report you can get frequently and be within forum rules (aka not unethical) is from Experian. You can go to the link at the bottom of the page that says "Review your Report again", enter your personal info, answer some security questions, and view your report.

Unfortunately Equifax and Transunion will not let you simply review your report for curiosity's sake to see SP, except once a year through annualcreditreport.com.

[kdm31091]

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@redpat wrote:

Well you at least know it's once a month w/ Amex, Citi, and Discover and others that give you a credit score.

IDK why is it so important?  Don't live on the edge of paranoia worrying about being SP'd.

If you got em use em.

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Agreed.

Most lenders are going to SP you monthly or occasionally, and keep an eye on things, but why is it so important to know when it occurs? I looked at my TU report recently and saw SPs from several lenders over time but it's not like anything (good or bad) came of it, so, it doesn't really matter.

By the time you see the SP, if AA were going to occur it's going to occur.

Just try not to drive yourself crazy obsessing over these things.