The Monster TransUnion Bumpage TU B* Master Thread

[muss08]

Use the counter. It's pinned

[labswift]

Hey guys..............so good news, I just did a backdoor and see that I've gone down from about 12 to 3 hards................now my question is, now that I'm getting bumpage, would I be able to do more credit applecations, and then get them bumped off ASAP??? Since I'm already on the bump edge?

Edited August 14, 2012 by labswift

[beekrock]

Is there a way to buy your full TU report that will show your softs?

Edited August 18, 2012 by beekrock

[ansky0007]

Hey guys..............so good news, I just did a backdoor and see that I've gone down from about 12 to 3 hards................now my question is, now that I'm getting bumpage, would I be able to do more credit applecations, and then get them bumped off ASAP??? Since I'm already on the bump edge?

 

Be aware there is also something called reinsertion. Lets say you apply for more get 5-6 more inquiries and you get hit with reinsertion you will now have 18 inquires and when you get AR's from your current accounts that can spook them and cause you much more grief. They can get bumped off but they are never really gone from their records.

[sully1975]

Signed up for SCPrem over the weekend. Got the 5 day trial and still signed up for the long haul. My question is, everyday is it the renewal or update button that I hit that is doing all the work? So far it shows I have done it for 4 days in a row on the site. I also added CK in there as well, but half the time the site is too busy and says so. The update button is what I need to hit on both right?

 

Apologies in advance, as always. I need to bleach TU inq as I must have done Short of 10 in like 4 months

[700orbust]

Outside of USAA and Smartcredit are there any recommended daily pullers for TU?

Edited August 23, 2012 by 700orbust

[iPhone911Droid]

1345570959[/url]' post='4736012']

Signed up for SCPrem over the weekend. Got the 5 day trial and still signed up for the long haul. My question is, everyday is it the renewal or update button that I hit that is doing all the work? So far it shows I have done it for 4 days in a row on the site. I also added CK in there as well, but half the time the site is too busy and says so. The update button is what I need to hit on both right?

 

Apologies in advance, as always. I need to bleach TU inq as I must have done Short of 10 in like 4 months

To pull from SC, yes just hit the get an update button. Then to confrim pull go to view report and check to see if the date has changed.

 

1345723503[/url]' post='4736892']

Outside of USAA and Smartcredit are there any recommended daily pullers for TU?

For TU you only need SC. Use usaa ccm for EQ

[sully1975]

Thank you.

[lowrisk]

I only use Smart Credit premium and TU so far i have seen my inquiries drop off from 8 to 3 by the end of this month i should be all finish im going to hunt some big time TU pullers:yahoo:

[lowrisk]

Signed up for SCPrem over the weekend. Got the 5 day trial and still signed up for the long haul. My question is, everyday is it the renewal or update button that I hit that is doing all the work? So far it shows I have done it for 4 days in a row on the site. I also added CK in there as well, but half the time the site is too busy and says so. The update button is what I need to hit on both right?

 

Apologies in advance, as always. I need to bleach TU inq as I must have done Short of 10 in like 4 months

 

 

yes just hit that update button and when it said you have zero updates just e-mail smart credit and they will reset your updates so you can pull everyday

[doodlebugger]

Newbie to the whole B* thing. Dh has 11 inquiries on TU. We need to get as many as we can within a month or two. Is it possible using SCP? If so, how long will it take? Does CreditKarma daily pulling help at all??? All I keep reading is that SCP is the only way to get B* on TU.

 

Also, I am reading about some that are extra sticky inquiries....what about mortgages inqs? We applied for HAMP through our bank (PNC) and they have put four hards on our credit report in the last year. I would love to get rid of those!

[sully1975]

Doing the same thing almost. SCP +CK every day when I wake up. I have 10 on TU to start with according to my pulling. 17 with SCP +10 means I am at least half way there. I am in the notion that I have 13 with CK but they might not count one for one.

 

I don't think Mortgage stickies are (easily) bumpable at all.

[EnC_Plus3]

I know it's been asked a gazillion times, but can someone please direct me on how to view my TU soft pulls? Everytime I see someone else ask there is either no reply or told to backdoor TU. I can't backdoor as there is a pending dispute. I've signed up to so many sites now and no one show softs...MyFico, Transunion TrueCredit, SCP and Credit Karma. I don't mind paying for it if need be,

[EnC_Plus3]

Just wanted to apologize for the double post. I posted the same question on a different thread, neither this thread or the other added to my content so I thought they hadn't posted. Good thing I checked I was about to post again.

[Credit Mama]

There is no other way. You must be patient if you are scared of upsetting your dispute by peeking. I would only peek @ TU though.. not EQ. You have too many pullers to keep looking.

[EnC_Plus3]

There isn't anything pending on EQ, only TU and when I tried backdoor it just shows the disputed item as not completed. I didn't know that was the only way. Now I know...lol. I'm going to cancel the TrueCredit this week. I'm not trying to bump anything on EQ, there are only have a few on there and they are due to fall off within a few months. The only other one on EQ is NFCU.

 

I am curious though...we are no where near this stage but I was daydreaming today about eventually putting a pool in and was looking at finance companies. There were two that both wanted a bundle of info and stated that they don't run a hard pull on credit but look to determine what a potential customer would be eligible for...so would those be soft pulls? If so I'd imagine there would be several similar companies to help with the b* process. The only problem I see is not knowing which report(s) they'd soft pull.

[djrez4]

Got this message from SC today:

For your protection your Smart Credit Report update count is limited to 6 updates per billing period.

Since you have a premium membership you may make Unlimited updates to your credit report.

Please call Member Services to have your credit report update counter reset.

You start a new billing period in 24 day(s).

Am I going to have to call in to have my counter reset every 6 days?

 

Edited September 4, 2012 by djrez4

[BDK]

Has anyone else noted a distinct delay (2-5 days) from inquiry first being deleted on USAA/CCMP until it FINALLY B* from SC and CK? It used to be the other way around for me...

[junkyour925]

Has anyone else noted a distinct delay (2-5 days) from inquiry first being deleted on USAA/CCMP until it FINALLY B* from SC and CK? It used to be the other way around for me...

 

yes happened to me too...CK and SC would show it removed then add back the next day then remove then add back then finally went away for good after I guess it was buried deep by then with way past 56 softs. Crazy

[junkyour925]

Got this message from SC today:

For your protection your Smart Credit Report update count is limited to 6 updates per billing period.

Since you have a premium membership you may make Unlimited updates to your credit report.

Please call Member Services to have your credit report update counter reset.

You start a new billing period in 24 day(s).

Am I going to have to call in to have my counter reset every 6 days?

 

 

no. Just call them and ask to find out how it works and why they do that.

[lowrisk]

NO you don't have to call i just shoot them an e-mail and within 1hour i get my counter reset

[BDK]

Has anyone else noted a distinct delay (2-5 days) from inquiry first being deleted on USAA/CCMP until it FINALLY B* from SC and CK? It used to be the other way around for me...

 

yes happened to me too...CK and SC would show it removed then add back the next day then remove then add back then finally went away for good after I guess it was buried deep by then with way past 56 softs. Crazy

 

I'm talking about maybe a different situation. I'm not seeing the usual add back for a couple days then disappearing for good.

 

For me, TU inqs have usually disappeared from SC and CK first, then come back, then gone again, THEN gone from CCMP. Now it's like I described above..

[dogbert75]

Has anyone else noted a distinct delay (2-5 days) from inquiry first being deleted on USAA/CCMP until it FINALLY B* from SC and CK? It used to be the other way around for me...

I have had the same thing going on lately...glad to see it wasn't just me...

[Repairerer]

Agreed, my disappearances and reappearances have definitely been wackier this time than before. Every pull is like a box of chocolates.

[sully1975]

Dumb question yet again. I got a letter yesterday in from Walmart saying the reason they denied me and such. I applied like two weeks back plus.

 

Can I use this to send to TU and get another hard copy soon and use it to count the softs? I assume all the begging for GEMB increases added maybe three or four more secret softs to my collection. Evn if they gave nothing out almost.