Pulling reports everyday through CMS

[Kratos-TM]

I'm on a CMS with all 3 bureaus, been a member of each a long time, and I like to pull my reports everyday when I'm anticipating a major change such as.....looking for an account to say "closed", etc. Will pulling so much throughout the year cause a problem?

[SpeeDj]

Consumer initiated pulls do not show up to anyone but the consumer.

JP

[Anonymous]

actually, this caused an issue with my EQ file. The data file became too large and items fell off my report... I would not recommend it. When I downloaded my report from EQ, there were hundreds of SPs...

[Kratos-TM]

Wow, looks like this issue has sides. No clear answer. Since there is no set side, I guess I'll just play it safe and monitor less.

Sucks for them to say "unlimited" pulling access and not have a disclaimer in it stating the risk of heavy consumer pulls.

[Walt_K]

Excessive pulling of your own report can cause a split file.  I don't know what that amount is, but I don't think you should have a problem if you are doing daily pulls only around key events.  I had a vague idea that it was constant daily pulls and perhaps even using more than one service to pull the same report that caused this problem, but I don't think I've ever seen any hard numbers for it.

[Kratos-TM]

Amazing with technology now that this problem would even exist......???

[SpeeDj]

I pull a daily Tri-CRA everyday with USAA Credit Monitor then I also use Transunion's service to pull their report daily as well. I've never had any issues doing this. Not quite sure how it's even possible to corrupt your CR as a consumer just accessing your report. Just my two cents.

JP

[Walt_K]

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@SpeeDj wrote:

I pull a daily Tri-CRA everyday with USAA Credit Monitor then I also use Transunion's service to pull their report daily as well. I've never had any issues doing this. Not quite sure how it's even possible to corrupt your CR as a consumer just accessing your report. Just my two cents.

JP

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You might want to do some searching on split files to see whether you should adjust how frequently you are pulling your reports.  It is possible and it can be a pain if it happens.

[Kratos-TM]

Well I've figured out a "temporary" way around this. I don't pull TU much. But I pull the other 2 religously. So I'm gonna quit pulling the other 2, and just check TU for changes.

Good thing about this is TU is always the last to update anything, so if it has the update, I'm pretty sure the other two do as well.

[SpeeDj]

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@Walt_K wrote:

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@SpeeDj wrote:

I pull a daily Tri-CRA everyday with USAA Credit Monitor then I also use Transunion's service to pull their report daily as well. I've never had any issues doing this. Not quite sure how it's even possible to corrupt your CR as a consumer just accessing your report. Just my two cents.

JP

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You might want to do some searching on split files to see whether you should adjust how frequently you are pulling your reports.  It is possible and it can be a pain if it happens.

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Weird, not saying I don't believe you but I've been pulling my CR daily for the past 3 years, and twice daily for TU for the past 4 months with no adverse effects, at what point does a Split File occur? And how should one watch out for it.

JP