ScoreWatch a ripoff?

[Anonymous]

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

[llecs]

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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

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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.

[bott6698]

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?

[llecs]

No, but I enjoy a good read out of the KJV.

[bott6698]

ic.

[Anonymous]

 I heard TC will close your account if you pull too many reports.

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Really? I pull mine almost daily at TC, and have been doing so for nearly a year. Never had a problem?

[Anonymous]

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Cheech wrote:

 I heard TC will close your account if you pull too many reports.

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Really? I pull mine almost daily at TC, and have been doing so for nearly a year. Never had a problem?

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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).

[Anonymous]

I wonder why???????

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cheddar wrote:

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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?

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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).

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[Anonymous]

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Timothy wrote:

I wonder why???????

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*ahem*

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

[haulingthescoreup]

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."