The Master Equifax C* Choppage Dates - Work in Progress Thread

[Occam]

C* showed in GA on the 23rd.

 

39 to 24 softs.

 

Are there any additional beside the normal 3 pullers for those without Amex?

 

Have 10 hards and doesnt look like I will make it before next chop.

If you've got 10 hards and 3 pullers, there's no way you can avoid B* before the next expected chop as long as you pull every day. Even if NONE of those 24 softs count!

 

If there's a double chop this cycle you're out of luck. But that's very unlikely. So stop worrying and mind your pulls.

[junkyour925]

exactly...just pull like a madman immediately after the last C* and see what you get. Don't over think it. Take massive action. Focus on the solution, don't dwell on the problem.Oh and download my spreadsheet and take the time to understand and use it. Its all laid out for you in there.

Edited August 25, 2012 by junkyour925

[junkyour925]

lol...a perfectly pruned file....I like that ...makes it nice and easy to read and count.

 

Thanks Eq, just made my life even easier!

 

EQ B* Count

CIC/EXPERIAN RPTS(CS): 08/26/12, 08/25/12, 08/23/12, 07/31/12 (4)

CREDITEXPERT(USAA) 1-866-673-0140: 08/26/12, 08/23/12, 07/31/12 (3)

EQUIFAX CONSUMER SERVICES(EC): 08/26/12, 08/25/12, 08/24/12, 08/23/12, 07/31/12 (5)

TRUECREDIT/VERTRUE(MPM): 08/26/12, 08/21/12, 07/31/12 (3)

 

Total confirmed softs found: 15 Total unconfirmed softs found: 0

Total possible softs found: 15

Edited August 26, 2012 by junkyour925

[AroundAbout]

Well, I'm in Texas and still haven't been C* as of 8:30AM CST. I did however B* my first two inquiries ever! So excited! I'll keep an eye out for chopchop tomorrow.

AA, if you can confirm TX C* tomorrow, I'll move TX to Sunday.

 

I wasn't C*'d so I'm going to say I'm still not being C*'d at all. It's very surprising considered I've daily pulled since mid July while disputing items with EQ... not that I'm complaining. I'll continue to keep an eye on it and let you know if I eventually get C*'d and when it is.

[Dplymkr88]

Choppage in VA, right on time. 77 down to 13....ouch. oh well I *b 10 off this go round.

 

Sent from my Galaxy Nexus using Tapatalk 2

[docomo]

Hi everyone, previously I saw a calendar listed all the future chopage date but I can't find it in the forum anymore. Just wonder where may I find that calendar again as I would like to look for C* dates in the coming months to plan my B* for EQ and TU. Thank you very much, have a great day.

[BobWang]

[cputrwz]

Bob, since you LOVE master threads... can't we just have a master thread that has the choppage spreadsheet in it? And NOTHING else! Like if anybody posts anything in it have the post deleted or make it so only you can update the post.

 

I know you always post it regularly but before you made this post here I had a hell of a time trying to find which page the last one was on.

Edited August 31, 2012 by cputrwz

[BDK]

Not a bad idea, maybe Breeze would sticky it and lock the thread?

[BobWang]

Bob, since you LOVE master threads... can't we just have a master thread that has the choppage spreadsheet in it? And NOTHING else! Like if anybody posts anything in it have the post deleted or make it so only you can update the post.

 

I know you always post it regularly but before you made this post here I had a hell of a time trying to find which page the last one was on.

[BobWang]

Uh, operator there, I meant to say "Good idea"

[BobWang]

Operator ERROR

 

SHEESH, good thing Labor Day's coming.

[cputrwz]

LOL... we love you anyways... do we need to PM a mod or are you gonna ask?

[BobWang]

LOL... we love you anyways... do we need to PM a mod or are you gonna ask?

Let's not pin it for now, actually pinned topics tend to get lost up there.

[cputrwz]

True... I see you made one! Lookin good that rocks... thank you so much. At least now I can just do a search for "spreadsheet" and I'll always find it.

[BDK]

True... I see you made one! Lookin good that rocks... thank you so much. At least now I can just do a search for "spreadsheet" and I'll always find it.

 

[Roland99]

stupid EQ! Their delay cost me about 5-6 inqs. I think I'm going to be at 80 + 5 hards come the 17th. I might have to bite the FICO bullet a couple of times....ugh. or poke around for some free one-time trials somewhere.

[docomo]

 

 

Thanks Bob for posting the calendar, still a bit new to TU B*, just curious if TU also has a calendar or they don't have C*. Thanks.

[BobWang]

TU does not C*, but they have re-inserted bumped hard inquiries in the past.

[BobWang]

Actually, to be precise, TU C*'s EVERY night,

 

but leaves SCP alone.

[docomo]

Actually, to be precise, TU C*'s EVERY night,

 

but leaves SCP alone.

 

Thank you very much Bob for your help. I will sign up for SCP today but before hitting, I would like to count my current TU softs. I tried asking around how to get a report with such info but haven't seen any response. Can you please help where I should look into in order to get a report to count TU softs.

 

I tried signing up for the 7 day TU trial but I looked over every section and dont' see anywhere that shows soft (like the way EQ does). I also used other agencies but none of them showed TU softs also. Please help, thank you very much for your time and help. Have a wonderful weekend.

[BobWang]

You really don't need to see your softs, just pull SCP for 56 days.

 

If you absolutely MUST see your softs, AnnualCreditReports or backdoor will get them for free.

 

You can also buy a full report from TransUnion.

[docomo]

You really don't need to see your softs, just pull SCP for 56 days.

 

If you absolutely MUST see your softs, AnnualCreditReports or backdoor will get them for free.

 

You can also buy a full report from TransUnion.

 

Thanks Bob for your help again. I tried using the backdoor to access TU report. Just want to confirm that I did it right. I initiated a dispute, then key in my info (logged in with my account also) and then a report comes up. I saved the report and then click "Clear all investigations..." and click "Cancel this report..." again so to make sure no investigation would occur. Is that the right way to do?

 

 

Also I pasted below the results of my softs:

 

TRANSUNION INTERACTIVE: 09/01/2012, 08/31/2012, 12/31/2011 (3)

CONSUMER INFO.COM: 08/31/2012, 08/30/2012, 08/04/2012 (3)

Me via KARMA/TRANSUNION INTERAC: 08/31/2012 (1)

Me via PATHWAY DATA INC: 08/31/2012 (1)

CONSUMERINFO via CONSUMER INFO.COM: 08/30/2012 (1)

Me via TRANSUNION INTERACTIVE: 08/30/2012 (1)

 

Total Permissible Purpose softs found: 10

 

does it look right? I just want to confirm I copied and pasted the correct info. Of these is PATHWAY DATA the one performed by SCP. I pulled yesterday, just want to make sure it's being counted. 10 softs look like a good start

 

Thank you very much again for all your time and help. Take care and have a wonderful day.

[LaserWeb]

My first time posting, sorry if I do something wrong here...

 

I sign for 3 pullers. Predicted "C" day in Florida - 09/19

When will be the best time to start "B" process to avoid "C"? Can I start Today or better start after predicted "C" day -09/20 ???

 

Thanks

[rmiller0410]

Here is what I have will I be able to see B** before the next choppage? I use usaa mpm and ec. Also use sc. Please help as this is new for me.

 

CIC/EXPERIAN ALRTS: 08/04/12 (1)

CONSUMERINFO.COM: 07/12/12 (1)

CREDITEXPERT 1-866-673-0140: 09/04/12, 09/02/12, 09/01/12, 08/31/12, 08/30/12, 08/29/12, 08/28/12, 08/27/12, 08/26/12, 08/25/12, 08/24/12 (11)

EQUIFAX CONSUMER SERVICES: 09/04/12, 09/02/12, 09/01/12, 08/31/12, 08/30/12, 08/29/12, 08/28/12, 08/27/12, 08/26/12, 08/25/12, 08/23/12, 07/31/12 (12)

TRUECREDIT/COVERDELL MY: 08/31/12 (1)

TRUECREDIT/CHASE: 08/28/12 (1)

TRUECREDIT/VERTRUE: 09/04/12, 09/02/12, 08/31/12 (3)

TRUELINK: 07/21/12 (1)

Total confirmed softs found: 31

FAIR ISAAC: 07/17/12, 02/06/12 (2)

Total unconfirmed softs found: 2

 

 

Total possible softs found: 33