Of course! but you might want to make sure and wait for another person to confirm my answer as I am not very confident. Better yet, why don't you ask the Lending Tree guys because they can answer you better...

Thanks for sharing. What service to you use to pull your TU and EQ?..

At transunion.com I get a new report daily with "Within the last 60 days...denied for credit"..

I've been a creditwatch member since July so I can get unlimited EQ reports for another 7-8 months. I think qspace.com still has unlimited EQ reports but it's for $79.95 and the score there is a FAKO...

Member5,.

That isn't a good idea to keep pulling your credit because it will drag your score down (esp with TU as they really penalize for too many inquiries)..

I pull every 6 months to check for mistakes and identity theft. Most pull yearly..

-J.

FICO-701..

Thanks for the clarification. I was going to pull weekly because I'm actively clearing up my credit...

Uh, consumer disclosures are considered a soft inquiries and do not reduce your score. Some third party report providers do NOT code their inquires properly [ as heard on other boards ] and these can result in a score reducing hard [ which you should, of course, dispute...

I pull all 3 every day.

Course I have no life..

Not true. If this person is using a service, they look at the inquires as hard. They are only soft when the inquiry is made directly through the CRA..

-J.

FICO-701..

How does everyone pull so often? Is everyone using an unlimited service via a CRA? I'd like to have daily access, any suggestions as far as the best services available now?..

My reports from all three CRA distinquish between inquiries shown to anyone who pulls your report and those visible only to me. In all cases, my consumer disclosures are visible only to me. Additionally, myFICO identifies consumer disclosure inquiries as NOT INCLUDED in score calculation. Perhaps it is included in some CRAs proprietary score, but who cares?.

I keep a good eye one my scores and have NEVER seen any reduction from checking my own scores..

I notice that you only post one FICO score. You do know there 3 CRAs, right?..

Worthknowing.com shows up in the SOFT inquiry section of TU, not the hard. That's not directly through the CRA..

I pull WK about once a week, and pull EX and EQ daily through CE and CW...

Hmmm..let's see who know about CRAs and hard against soft inquires when pulled from a third party?..

I fraud block on my reports so it is a pain in the tuckus to pull credit reports. If you really must know, my TU is 740 and Experian is 760. FICO to me is the only one that matters..

-J.

FICO-701..

Jswede, I've been pulling my reports everyday for months now and my scores have gone up moreso than down. I'm in Lending Tree credit repair mode and I'll continue pulling my reports everyday until they're clean. Thank you for your concern...

Nope, not true, it is all in how it is coded. A 3rd party pulling the cr for a consumer is supposed to be coded as such. And has been in my experience...

You've got terrific scores, but a poor understanding of scoring. FICO is a widely used scoring model created by a company called Fair Issac. They are not a CRA. The three big CRAs are TU, Experian and Equifax. As you imply, the scoring models used by TU and Experian are not held in high regard. What you may not understand is that creditors may run the FICO model against any of the reports, not just the Equifax report [ they are the only ones who give you the straight FICO...you have to pay extra for it from TU ].



In terms of the hard vs soft inquiry for consumer disclosures, please review experiences of ALL the other list members above. Your experience is not the norm and you should take action to have it corrected...

I don't mean to sound disrespectful or egoish but I have been a member of the motley fool credit card board for 3 years with over 3,000 posts. I have a pretty good understanding of credit and how it works. If I didn't, how could I have such scores?..

Experian is not used very often in my part of the country so I am not too worried about them until it comes time to get a house. Equifax uses the true Fair Issac score while Trans Union is currently using their own system for scoring for free (meaning that FICO with them costs). I am displeased that there is not a standard expected model for credit scoring that is used with the three major CRAs..

-J.

FICO-701..

I pull Exp...about 10 times a day, Equifax..I look at it about 3 times since you can only get it every 24 hours, and I am blocked from TU for the millionth time...

Quote:.

Originally posted by jswede4722.

Not true. If this person is using a service, they look at the inquires as hard. They are only soft when the inquiry is made directly through the CRA..

Quote:.

Originally posted by jswede4722.

Hmmm..let's see who know about CRAs and hard against soft inquires when pulled from a third party?..

Quote:.

Originally posted by jswede4722.

That isn't a good idea to keep pulling your credit because it will drag your score down (esp with TU as they really penalize for too many inquiries)..

Jswede I don't know where you're getting your info from and I don't want to argue with you but you're giving out a bit of misinformation. A person can use a third party that only generates soft inquiries e.g. Privista, CreditExpert, WorthKnowing, etc..

The following is a list of definitions for inquiries - hard and soft..

From myFICO.com:.

Inquiry - An item on a consumer's credit report that shows that someone with a "permissible purpose" (under FCRA rules) has previously requested a copy of the consumer's report..

Fair, Isaac credit bureau risk scores take into account only inquiries resulting from a consumer's application for credit..

Note that if you order your credit report from a credit reporting agency — such as to check it for accuracy, which is a good idea — the score does not count this, as it is not an indication that you are seeking new credit..

..

From privista.com (EQ):.

Hard inquiry.

An indication on your credit report that a lender has obtained a copy of the report in order to evaluate your Lending Tree loan or credit application. An excess of hard inquiries within a six-month period may lower your Credit rating..

All the inquiries Privista makes on your behalf are soft inquiries..

From worthknowing.com (TU):.

Entries made by the credit bureau when consumers request a copy of their own credit report either through WorthKnowing or a direct call to the credit bureau are also soft inquiries and have no affect on your credit rating..

From creditexpert.com (EX):.

Inquiry.

There are two types of inquiry..

A hard inquiry is when you have applied for credit.

, which gives a the lender permission to pull your credit report. All hard inquiries are available for all credit grantors to review. A soft inquiry is only available for you to see. It does not influence your credit score. This type of inquiry includes your request for your credit report or pre-screen inquiries for credit grantors..

"Subscribing to Credit Manager and reviewing your credit report through the service has no effect on your creditworthiness..

Requesting your report through any of Experian’s consumer credit services – either through experian.com or creditexpert.com – is just like ordering your credit report directly from Experian. An inquiry will be added to your personal report, but it won’t be shown to anyone but you..

Because you are the only person who will see the inquiries, they won’t impact your ability to obtain credit.".

So Dolly you can check your credit report weekly if that's what you want to do. It has no effect on your score...