Credit check total

[MidnightOwl]

I don't remember the site I was on when I saw that to be perfectly honest but, I feel like the idiot for even thinking that could have been remotely possibly. Anyway, I just signed up again with CCT on Saturday & they're taking $5.00 off per month after the 1st charge of $22.95 goes through so, It'll go down to &17.95 per month after that. I did ask if it could go any lower & the very nice customer service lady said they used to go as low as $9.95 but, they're no longer going to go past $17.95 for anyone. We'll see if different reports come in on that. I'm using CCT & TC in hopes of B* I hear it still works with TU & EQ so, I'm hoping it works for me. If not, I'll keep both services to monitor my reports no matter what. Sorry about the 5 day pulls confusion, I was only going by what I read on some other site which I blew through so fast I can't remember the name.

[RobertEG]

Aside from the fact that most creditors only update once a month to your CR, and thus, in my opinion even daily pulls of CR, not to mention paying additioally for daily credit scores, is overkill, I would refrain from this for a different reason.

Sure, pulls of your own CR are not scored by FICO.  But they are still recorded in your credit file.  If you order a full copy of your CR from the FCRA compliance site at annualcreditreport.com, you will see each and every one of those buggers listed.  When potentail creditors order your CR, they dont get the sanitized version marketed to we consumers, which dont list all these pulls.  If a potential creditor sees a hundred inquiroes a month, that might be a factor beyond simple FICO scoring that may raise some concerns. 

[Anonymous]

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@RobertEG wrote:

 If you order a full copy of your CR from the FCRA compliance site at annualcreditreport.com, you will see each and every one of those buggers listed. 

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What's at annualcreditreport isn't what banks receive, I thought.   Also, yes when I would get my paper copies from the consumer reporting agencies themselves, i would never see all of my soft inquiry consumer initiated pulls for certain credit monitoring services.  But it's hard for me to believe that the annualcreditreport version is what banks receive and that its a more pure version than what is passed off to consumers.

The only true 'pure' report would be the full factual, and that is not offered to consumers either, right?

[RobertEG]

AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that's yours by law.

The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — once every 12 months.  To comply with this legal requirement, the three major CRA established this non-commercial web site. 

You can order all three at once, or one at a time. 

Just order yours, and you will see the difference from consumer marketed credit reports, and at zero cost to you.

No, comercial lendors dont order their credit reports through myFICO as you see. .  Yes, they see many things, such as special comments and specific reporting codes, that are sanitized from your consumer reports.

[Anonymous]

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@RobertEG wrote:

When potentail creditors order your CR, they dont get the sanitized version marketed to we consumers, which dont list all these pulls.  If a potential creditor sees a hundred inquiroes a month, that might be a factor beyond simple FICO scoring that may raise some concerns. 

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FWIW: And just so that others reading this post don't become unduly concerned.

Our mortgage loan officer gave us a copy of the credit report they pulled.  It did not contain soft inquiries.

[Anonymous]

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@RobertEG wrote:

AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that's yours by law.

The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — once every 12 months.  To comply with this legal requirement, the three major CRA established this non-commercial web site. 

You can order all three at once, or one at a time. 

Just order yours, and you will see the difference from consumer marketed credit reports, and at zero cost to you.I hav

No, comercial lendors dont order their credit reports through myFICO as you see. .  Yes, they see many things, such as special comments and specific reporting codes, that are sanitized from your consumer reports.

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Hi again.  I wonder if we're speaking around each other when we should be on the same side.   I have ordered from the annual credit report site in the past, RobertEG.   The only difference I've seen, when reviewing my reports as given to me when I've called the CRAs 800 numbers versus when ordered the annual credit report site is layout.    The annual credit report site just takes me to the exact same place and gives me a confirmation number, just as I would have if I had ordered the reports from the CRAs... because it is the CRAs websites they're taking me to.   There is nothing special about it, that I've seen.  I just don't have to pay a fee.

And I see where my soft inquiries have been chopped, on both.  Same information.

I have not ordered from the annual credit report since February of this year, so my experiences are probably outdated.   That experience has been there is no difference (that I have detected.)  I will probably need to pull a brand new report if there have been changes in what the annual credit report site .. reports.. since February of this year.

What special comments and specific reporting codes are you referring to as being on a commercial lender's report, which are not on the sanitized consumer reports? I guess what I'm really asking is:  Are you also stating those special comments and specific reporting codes will ALSO be on one's annual credit report site report (the non sanitized consumer report)?  because I haven't seen that.  What should I look for, the next time I pull both, so I can have an 'a ha! that's cool' moment?

If, again, things have changed since February of this year, can you put up a copy (or explanation) of differences I should be looking for in the annual credit report site reports, which would be different from the reports ordered by 800 number/USmail/fax direct from the CRAs themselves?