How often to you pull your reports

[Anonymous]

I’m relatively new here and find myself signing on several times a day to soak up the great advice of the members here. I’m using this advice to raise my fico’s and finding that I’m a little too anxious. I pulled my scores twice in a two week period, I was disappointed to see no change. I paid down my cc's to 5% utl 2 months ago and applied for/approved for a new cc with a $3000 cl, but no change?

My question is, how often do you pull your scores at $15 a pop, and what is a reasonable amount of time to wait before pulling them again? Is there a specific time a month that I should pull them?

Thanks in advance,

~lori

edited for error

Message Edited by Lori344 on 06-16-2007 11:20 AM

[Anonymous]

I pull a new credit report for all three maybe every six months.  I get score watch on my Equifax report so I always know when there is a change. 

[MidnightVoice]

I have scorewatch to monitor my EQ score, which happens to be my middle one.  So I know what is going on with that one.

I will get my free reports in January and see if anything startling has happened

I won't be pulling any other reports unless something peculiar happens until I have reason to believe it might be worth it.  About May 2008 I think.

But some here monitor their reportss and FAKO scores daily via TrueCredit.  I just stopped my trial of that as the numbers are meaningless and you can't read the EQ results

[Anonymous]

Thank you Midnight and Jammy, I guess I'm really going overboard! I have Score Watch too, but I'm not receiving updates.

I thought because of the recent actions I've taken (paid balances, disputed items, new credit, increased limits) I'd see some action in the FICO scores.

~lori

[MidnightVoice]

It can take a couple of months for everything to filter through.  At least, it did for me

[fused]

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Lori344 wrote:

I’m relatively new here and find myself signing on several times a day to soak up the great advice of the members here. I’m using this advice to raise my fico’s and finding that I’m a little too anxious. I pulled my scores twice in a two week period, I was disappointed to see no change. I paid down my cc's to 5% utl 2 months ago and applied for/approved for a new cc with a $3000 cl, but no change?

My question is, how often do you pull your scores at $15 a pop, and what is a reasonable amount of time to wait before pulling them again? Is there a specific time a month that I should pull them?

Thanks in advance,

~lori

edited for error

Message Edited by Lori344 on 06-16-2007 11:20 AM

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I pull daily from TC.  Amex's website has a nice credit monitoring program called creditsecure.  Just do a site search at their website.  You can pull all 3 reports daily and it costs less than TC.  Just remember that both of these services spit out FAKO scores, and some of the remarks about your reports are usually ridiculous.  Your scores can change a lot especially if you are in credit repair mode. 

[Anonymous]

If you go to truecredit.com TRW for 15.00 dollars a month you get all 3 credit reports and scores

[MidnightVoice]

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Billg624 wrote:

If you go to truecredit.com TRW for 15.00 dollars a month you get all 3 credit reports and scores

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I belive they are not FICO scores.  I tried them, and the scores bear little relationship to reality

[Anonymous]

I'm doing it every day.

[sl]

I am doing my once a week because I am monitoring GW Letters and AMEX. But once AMEX reports properly, I will go back to monthly. I like seeming my debt go down. It gives the the motoviation to keep going.

Message Edited by sl on 06-16-2007 05:54 PM