From what I've read on it, it seems a bit of an urban myth\legend. That it may appear to do that to the person looking at their self pulled report, the report a creditor sees is not at all affected, other than they might see a lot of SP's (possibly, I don't think they can see SP's on their end at all) along with the HP's that remain anyway. My logic would be, if creditors can't see SP's anyway, why would a bunch of SP's remove genuine HP's that they are meant to see?
Seemed like a LOT of trouble to go to and complicated, most likely for nothing, verses just keeping ones applying to a minimum and knowing who pulls what. I'm going with what I know works, watching my reports and keeping my INQ's as low as possible by limiting what I apply for. The only guaranteed way to lower INQ's is time and not over applying. Just my 2 cents.
I hope that's allowed as I think it's a subject that's better addressed than left to the mystery of the internet.
@Anonymous wrote:
@RyVision wrote:From what I've read on it, it seems a bit of an urban myth\legend. That it may appear to do that to the person looking at their self pulled report, the report a creditor sees is not at all affected, other than they might see a lot of SP's (possibly, I don't think they can see SP's on their end at all) along with the HP's that remain anyway. My logic would be, if creditors can't see SP's anyway, why would a bunch of SP's remove genuine HP's that they are meant to see?
Seemed like a LOT of trouble to go to and complicated, most likely for nothing, verses just keeping ones applying to a minimum and knowing who pulls what. I'm going with what I know works, watching my reports and keeping my INQ's as low as possible by limiting what I apply for. The only guaranteed way to lower INQ's is time and not over applying. Just my 2 cents.
I hope that's allowed as I think it's a subject that's better addressed than left to the mystery of the internet.
+1
And if you have all your reports froze like I do, I can't appy for new credit anyway (unless I lift the freeze) which I have no plans on doing.
I am looking to freeze my reports next year. I have no plans to apply for credit and this will keep me from having random pulls from companies looking to seel my mortgage. This past year I had 3 from CBIC something.
When I called them they said everytime they try to sell a mortgage, they do a hard. I'm like and what gives you the right to do 3 HP's in 1 year???
