Silent triple pulls: How often with apps?

[Revelate]

It’s all about cost optimizations, and risk v reward on underwriting.

Will say if I were a big national lender, and say I did an AR SP every month for example, I would just rotate through the Big 3 again and again.

That said most bureaus have roughly similar data and not sure any lender really cares that much after an initial credit extension other than a BK, at least now.

There are a few of us that have had dirt accrue on our reports even after finding this forum (my stupid late for example) but I don’t think I have personally seen an example where AA was taken on it.

Ultimately I really wouldn’t worry about it, underwriting guidelines are so low anyway that once credit is really established it is kinda gravy when we are talking CC apps.

[calyx]

---

@SoCalifornia wrote:
Good thread. Comprehensive thinking. Unofficial proof that ALL of your credit matters. I wonder if the HP's are just a suggestion to the consumer which bureau a lender favors, to blind us to the fact that they keep more precise tabs on what we are doing with said credit.

You know. "Kansas City Shuffle", "All that Glitters..." and so on. Anyway, good stuff 🤓

---

I always think of the HPs as a courtsey for other lenders.
"Here be credit risk/seeker."

[SoCalifornia]

@calyx
If you're going to show up to the party, might as well make a scene on the dancefloor.

[KLEXH25]

This is great insight, thank you! I didn't know you could even track SPs. How can I do that?

[SoCalifornia]

Via your CR @KLEXJ25 ?

[calyx]

---

@SoCalifornia wrote:
Via your CR @KLEXJ25 ?

---

I've seen them through the annualcreditreport.com reports.  Some of the credit monitoring services directly through the CRAs allow it.   And if you have 45 seconds to burn, you can go to EX/EQ/TU and start the dispute process - go to "dispute" an inquiry and they'll show you the soft pulls there, or have a link for them (depending on the CRA).  Just close out of it without actually disputing anything.

[KLEXH25]

---

@calyx wrote:

---

@SoCalifornia wrote:
Via your CR @KLEXJ25 ?

---

I've seen them through the annualcreditreport.com reports.  Some of the credit monitoring services directly through the CRAs allow it.   And if you have 45 seconds to burn, you can go to EX/EQ/TU and start the dispute process - go to "dispute" an inquiry and they'll show you the soft pulls there, or have a link for them (depending on the CRA).  Just close out of it without actually disputing anything.

---

Thanks! Silly question, but I pulled my free credit reports last august, so does that mean I can't do it that way again until August (for free)? I can try the dispute method. I'm very curious about seeing my SPs. Do they age out at some point?

[calyx]

---

@KLEXH25 wrote:

---

@calyx wrote:

---

@SoCalifornia wrote:
Via your CR @KLEXJ25 ?

---

I've seen them through the annualcreditreport.com reports.  Some of the credit monitoring services directly through the CRAs allow it.   And if you have 45 seconds to burn, you can go to EX/EQ/TU and start the dispute process - go to "dispute" an inquiry and they'll show you the soft pulls there, or have a link for them (depending on the CRA).  Just close out of it without actually disputing anything.

---

Thanks! Silly question, but I pulled my free credit reports last august, so does that mean I can't do it that way again until August (for free)? I can try the dispute method. I'm very curious about seeing my SPs. Do they age out at some point?

---

I've gotten a couple of extra freebies because of fraud issues, but usually it's a year.
And they seem to carry the standard 2 year fall-off as HPs (as far as showing in the CRAs front end system).

[calyx]

---

@SoCalifornia wrote:
@calyx
If you're going to show up to the party, might as well make a scene on the dancefloor.

---

[SoCalifornia]

@KLEXH25
I wonder, maybe Calyx will know, but maybe freecreditreport.com supplies soft pulls as well. I haven't been there in forever, but also, it may be Experian exclusive 🤔