- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I check my reports every day too, and to tell you the truth, I've come to the conclusion it's about as interesting as watching paint dry. Even with someone like me where stuff changes FAST, it takes a while for your credit report to update to accurately reflect things. For example, I closed my Amex accounts last month but my Gold is still reporting on TU. And I have 3 new accounts that are not yet reporting on TU.
Anyway they soft you like crazy at first to try to indentify problems. If they see you letting balances roll up watch out for AA. Few of them seem to care much about new accounts except for Barclays. But balances, I believe all of them could get you for. I was even reading that Discover has started watching this and calling people for a CLD if they see balances growing.