I have....from 5 to 2 then I applied for something (slapping self on forehead) so I'm back up to 3. Shorty
almost a month, but less than 2 I mean it's only a 2 month trial...lol. I also use EQ Credit Watch, so that helped a little bit. Shorty
I found that for my mother it took roughly 50 pulls to make things change. She started with 13 hard. Had we been religious about it we could have seen "B" in two months. I have a bad habit of not getting online on the weekends though... (Besides, she didn't get PG for that anyway.)
I just sisgned up for the 2month trial for PG and was a little surprised at the report - it seemed to have some info that was contradictory to recent reports I rec'd after disputes were investigated - how dependable is PG? anyone?
Well, I've seen that it is sometimes inaccurate. For instance, the previous address may be swapped with current, or something else minor. Today though, it had duplicates of one tradeline, so I don't know. I know that even Equifax tends to swap my current and former adddress, sometimes daily, so I don't know who's to blame. You could sign up to PG and EQ's Credit Watch Gold (free for 30 days) and compare. Once you have an Experian report, you can view new ones for free, so you could compare there. With TransUnion you can no longer get a free report online, but you can just call and get one. (I have never thought it sporting to lie about being denied, but to each their own. Of course, asking for 5k and getting $200 IS a denial, so...) For the price, I find PG to be worth using. I don't place a whole lot of stock in it being perfectly reliable though. But then, neither are the "real" credit reports half the time
