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ScoreWatch a ripoff?

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Anonymous
Not applicable

Re: ScoreWatch a ripoff?

llecs,
 
You mention  "that it is a waste of money if you pull and don't back it up with action."  What is the action you speak of?
 
RobertCS
Message 31 of 46
llecs
Moderator Emeritus

Re: ScoreWatch a ripoff?



RobertCS wrote:
llecs,
 
You mention  "that it is a waste of money if you pull and don't back it up with action."  What is the action you speak of?
 
RobertCS


I suspect many are spending money pulling their reports and spending money on monitoring services, only to look at the results and do nothing. Now, to clarify, I was writing in the context of being in repair mode. Certainly if a CR is clean, there's no need to repair anything.
 
But it takes work. The biggest time killer was reading and research. Then you have to document everything, write letters, negotiate with creditors, and make countless visits to the post office. I'm sure there are many who take that first step of ordering their credit reports and then they stop. I contend that if the reason behind the report pulls and monitoring is for repair, and there's no action to back that up, then that person is wasting money. Faith without works is dead.
 

 
Message 32 of 46
bott6698
Established Contributor

Re: ScoreWatch a ripoff?

Hmm llecs, I Agree with you! I started on myfico june 2007 and I monitored reports and just didn't get off my butt and do ANYTHING about repair until January 31st. Since then I have kicked my credit reports butt and should be at my goal of 600 by end of this month.
 
Also llecs. Faith without works is dead. Interesting quote and I know this very well. Are you by any chance a JW?
10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Message 33 of 46
llecs
Moderator Emeritus

Re: ScoreWatch a ripoff?

No, but I enjoy a good read out of the KJV.
Message 34 of 46
bott6698
Established Contributor

Re: ScoreWatch a ripoff?

ic.
10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Message 35 of 46
Anonymous
Not applicable

Re: ScoreWatch a ripoff?

 I heard TC will close your account if you pull too many reports.
 
*******************************************************
 
Really? I pull mine almost daily at TC, and have been doing so for nearly a year. Never had a problem?
Message 36 of 46
Anonymous
Not applicable

Re: ScoreWatch a ripoff?



Cheech wrote:
 I heard TC will close your account if you pull too many reports.
 
*******************************************************
 
Really? I pull mine almost daily at TC, and have been doing so for nearly a year. Never had a problem?


There haven't been any reports of TC cancelling accounts for at least a few months now.  This may be a thing of the past (knock on wood).
 
Message 37 of 46
Anonymous
Not applicable

Re: ScoreWatch a ripoff?

I wonder why???????

cheddar wrote:


Cheech wrote:
 I heard TC will close your account if you pull too many reports.
 
*******************************************************
 
Really? I pull mine almost daily at TC, and have been doing so for nearly a year. Never had a problem?


There haven't been any reports of TC cancelling accounts for at least a few months now.  This may be a thing of the past (knock on wood).
 



Message 38 of 46
Anonymous
Not applicable

Re: ScoreWatch a ripoff?



Timothy wrote:
I wonder why???????


*ahem*
 
I don't know.  Maybe they realized it's not a good thing to do.

 
Message 39 of 46
haulingthescoreup
Moderator Emerita

Re: ScoreWatch a ripoff?

Well, and maybe a less entertaining explanation: I pulled all three full reports yesterday, and I noticed that on TU and EQ, almost all my soft inqs for my umpty-zillion score pulls are no longer displayed.

Maybe they've figured out how to dump useless softs to avoid, errrm, "instability." Smiley Indifferent
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 40 of 46
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