Hello, I know the scores are not calculated the same, but I have had a credit monitoring service that gives me unlimited pulls (one per day) on all 3 major credit reports.. My question is: Is the credit report the same (minus the scores) as the one that pulling a FICO report would be? Also, reading thru OLD threads, I read that making lots and lots of soft pulls could remove hard pulls, does that still work or was it fixed? Thanks in advance. Pulltab
The credit reports should be the same. Hard pulls, however, cannot be removed from your credit reports by initiating a lot of soft pulls.
Which service are you using that allows you to pull all three reports and scores? I am currently using Equifax Credit Monitoring but only get all 3 CRA reports once per year.
I have it thru my credit union, its CreditCheck Monitoring Premium by Experian offered thru USAA Credit Union. $14.95/month for the service, which includes monitoring with email alerts, and unlimited pulls for all 3 credit reports...it gives credit scores for all 3, but are not tru FICO, I think they are referred to as FACO on this board. Cheers
Citi Identity Monitoring is also a good one. All 3 scores & report updated each month. 1st month = $1, there after is $12.95/month. According to my brokers scores he pulled with FICO, Citi falls just a little below the FICO scores.
