As most of you know by reading my prior posts, I have had some fraudulant activity on my CC. For this reason I basically have joined the TC, CreditSecure, and probably the Privacymatters service. I am just testing them for 1 month to decide which one I like the best, and then cancel the other 2.
I am not trying to do that thing that a lot of people do with multiple soft pulls, since my EX is the one with the most inquiries (so please do not think I am unethical).
My question is basically am I going to cause split files? I will be pulling daily from these 3 services to just compare each one each day to see which one serves my needs the best. However, I do not want to have my TU and EQ CR's split.
Has anyone used multiple services and had their files split?
Starting Score: 583 EQ, 612 EX, 569 TU
CreditSecure does seem like a wonderful product, but I want to see how they stack up over the month.
One thing CreditSecure did to me today was to show an inquiry re-inserted into my credit file (received an alert). I called up the company and kind of "blessed" them out for doing another inquiry, and they said they would look into it.
Then I pulled my new CreditSecure file, and it was not there! Trust me, the company I called did not have time to recode the hard inquiry or anything, because I was pulling my new file while I was on the telephone. CreditSecure just gave a false alert.
I felt like a total *ss after that and I apologized to the company. Not sure why it gave the false alert. Sometimes I think looking too much can be a bad thing.
By the way..............bum on the question on if I will cause my file to split if I test it out over 1 month timeframe. Could be over 100 soft inquiries with the 3 services.
Also, anyone give me feedback on PrivacyMatters that has used it for a couple months. Like or hate it?
Thanks