Split files can certainly happen due to excessive SP'ing. There are a number of prior threads on this. Don't overlook them as a resource.
Just found this thread because today I pulled my three reports from annual credit and I see I have close to 100 soft inquires on each file. This now has me concerned about a split file I've seen mentioned here a few times.
How can I lessen the ones caused by me.
If I only check say like Credit Karma one time a month instead of twice a week would this lesson some I get? Or do the soft pull you regardless of whether you check or not. I get email updates from them so thinking they check even when I don't sign in?
i also use credit sesame and credit.com. Same question for them.
Most are from 2016 2017 so it will be a while before they drop off.
Samster do you know if credit karma checks even when we don't sign in? I get emails from them when things change so this makes me think they do. If not I'm going to try and not open the monitoring sites constantly. But I worry they are soft pulling even when I don't log in. As a matter of fact the other day I logged in and it said on credit karma last update 9 hours ago. So I think it was pulled 9 hours prior to me checking it.