TrueCredit - How much risk in pulling too often

[Anonymous]

The bottom line is there's no real reason to pull daily, other than sheer geekery. I'd say once a week is quite adequate, unless a score monitoring product shows a substantial change in a credit score.

[Anonymous]

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TheNewWorldMan wrote:
The bottom line is there's no real reason to pull daily, other than sheer geekery.

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Who? Us?

[Anonymous]

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pjxf99 wrote:

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TheNewWorldMan wrote:
The bottom line is there's no real reason to pull daily, other than sheer geekery.

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Who? Us?

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Honestly a few years ago I would have agreed with that, but when you are in the repair process things change SO often. There was a period where I would notice a difference almost every day.  We could all argue about how often to pull, when is too much, etc. but the bottom line is, when you offer a service saying it's okay to pull every 24 hours, then they should expect and allow people to do just that...

[haulingthescoreup]

If you have 15 active accounts, and they all report at different times, and there are 30-31 days in the month, then you can easily have something different going on every other day.

But I admit, I'm at the point that there is absolutely nothing else I can do but watch time go by. (Well, besides send out fruitless GW's.) It's very weird to have score changes only happening once a month, or even less frequently. I've gotten used to frequent explosions, not these occasional pops. So I'm slowing down a lot on TC pulls, other than when I pull out of boredom and sheer frustration.

[Anonymous]

This was very useful information. I didn't realize there might be an implication to pulling too often. I admit to pulling everyday because I usually take a few minutes a day to devote to my financial stuff: pay off all my credit cards (I never carry a balance so immediately go on-line to pay them after I incur charges on them), check my stocks, etc. With respect to my credit, I'm been cleaning up some stuff and carefully applying for new credit (although I know I'm getting dinged on average age I'm still hoping the overall result will be a good positive one in about a year, when I want to apply for a mortgage loan). Knowing that my own inquiries could result in a split report was something I'd never considered so (i) thanks for that bit of knowledge learned from the board and (ii) I suppose I should really limit once a week at most. My other issue is I have both TU 3-in-1 service and Experian's service and pull *both* some days (it's a timing issue, TU makes you wait 24 hours whereas Experian just makes you wait until after midnight, but that report only gives me Experian). Again, thanks for the info.

[Anonymous]

I sometimes pull every other day so I don't have to worry about the 24 hr 1 min thing. Just when ever I feel like since it is more than 24 hours.

[jackg]

Last week I spoke with the COO of TU and he told me after you have requested 63 updates to your credit report it defaults back to info that existed prior to the 63 updates. He indicated they are working hard to fix it and are implementing some changes as they go. For example, last week the number of inquiries carged to me went from zero to 14 overnight. I did nothing to initiate any inquiries.

Anyway, after they discovered that it was their mistake he called to apoligize and told me they removed all the inquiries. So if you have strange things happening to your TU credit report as reported by TC contact them and dispute what happened, if it's negative of course.

[EW800]

Jackg:  This is very interesting - also scary.  Are you saying that after we pull our creidt report 63 times, that all of the data on the report goes back to whatever it was before the 63 started?  This could mean that all the data on our TU report could go back to whatever it was say a year ago?  I have been puling via TrueCredit almost every day for the last 45 days or so.  This has me scratching my heading, wondering if I am getting close to trouble with TU. 

[Anonymous]

I'd like to point out that you can also get a split file for other reasons. I had one with EQ because of a name suffix (I am technically II).

EQ had two files, some creditors reported with the name suffix, some did not, and apparently EQ simply couldn't handle it.

It would split again from pulling every day when I was repairing, but it seems to be fixed as of recent.

[haulingthescoreup]

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@EW800 wrote:
Jackg:  This is very interesting - also scary.  Are you saying that after we pull our creidt report 63 times, that all of the data on the report goes back to whatever it was before the 63 started?  This could mean that all the data on our TU report could go back to whatever it was say a year ago?  I have been puling via TrueCredit almost every day for the last 45 days or so.  This has me scratching my heading, wondering if I am getting close to trouble with TU. 

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I'm not jackg, but I've pulled WAY more than 63 times, and I've never had a problem. This sounds like one of those off-the-wall problems that crop up occasionally with all software products, no matter how lovingly designed and maintained. (And some products are a lot worse than others, LOL, including my work software. )

IMO, people get way more worried about TC than they ought to. Yes, many people were unjustly kicked off, mostly last summer and early fall, including one of our mods who had pulled less than a dozen times, as I recall. But this seems to be pretty much in the past, doubtless at the advice of their attorneys. Many problems I read about now seem to involve log-ins, especially during the trial period or soon thereafter. The biggest problem here, besides not being able to access your reports while TC untangles the mess, is that you get to chat with the overseas call center, which is always an adventure.

But other than bugs that sometimes pop up and lock people out for a while, it pretty well does what it's supposed to. My feeling is that if you paid for it, use it! If it crashes and you can't update for more than a few days, demand a partial refund for the month. HTH