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Posted

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? YES I assume all the begging for GEMB increases added maybe three or four more secret softs to my collection. THESE DO NOT HAVE PERMISSIBLE PURPOSE, THUS THEY DO NOT COUNT Evn if they gave nothing out almost.


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Posted

Getting B* on TU from 10-8 in 2 days!!

 

Ive only been pulling SCP for 24 days.. Guess CK is helping too!!

 

I might be Inq free by the end of this month, then I can focus on EQ.

 

Thanks CB for the knowledge of B*!

Posted

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? YES I assume all the begging for GEMB increases added maybe three or four more secret softs to my collection. THESE DO NOT HAVE PERMISSIBLE PURPOSE, THUS THEY DO NOT COUNT Evn if they gave nothing out almost.

 

Okay Thanks. I do appreciate the help on this.

Posted (edited)

Hey CM, expect the recently bumped TU hards to ping pong back and forth daily until you are well past 56 soft pulls. Eventually they will stay off and not return.

 

Once you have all the baddies off your report then next thing you want to do is add tradelines to your file to shoot your score to 800,

 

After that you start making money off your credit file and I am not talking about lame "rewards" cards.

Edited by junkyour925
Posted

Hey CM, expect the recently bumped TU hards to ping pong back and forth daily until you are well past 56 soft pulls. Eventually they will stay off and not return.

 

Once you have all the baddies off your report then next thing you want to do is add tradelines to your file to shoot your score to 800,

 

After that you start making money off your credit file and I am not talking about lame "rewards" cards.

 

Thank you for your advice.

 

My TU file is my only clean file...so far.

CK score is 668

Usaa 702

Scp 597 ( they dont like that I dont have an installment account)

 

 

So far the only cards that I will have a true need for are as follows.

 

1. Usaa mastercard/visa ( Main card )

2. Care Credit ( Dental needs)

3. Auto repair credit card ( Firestone)

 

Thats all I can really see myself keeping up with until I can buy a home, and then maybe 1 or 2 more and 1 being a Lowes card.

Posted

Hello all.

 

I had total of 23 hards in TU and SCP started to work couple of days ago for B*. I have a question.

 

e.g. my hards are like this. 02/10/2012...02/15/2012...03/02/2012...03/22/2012... and i am having B* starting from old ones . so in 4 daily pulls these 4 hards will be gone but what if I apply for 1 card and i get TU inquiry on 09/12/2012, will I be able to bump this newest inquiry the 5th pull???? OR i will have to start from the start again counting 2 months + of pulling SCP..?

Posted

I have been trying to get a little B* action going. I started doing daily pulls with USAA on August 1, and then added MPM on August 8th. I missed a few pull opportunities along the way, but by my count I have completed 46 soft pulls. Tonight I checked the backdoor to see where my actual count stood and I am not seeing any significant amount of USAA or MPM pulls listed. It looks like only my last pull is sticking. Ideas?

 

 

 

Here are the pulls filtered through the B* counter.

 

CONSUMERINFO via CONSUMER INFO.COM: 09/09/2012 (1)

 

via KARMA/TRANSUNION INTERAC: 09/09/2012 (1)

 

via TRANSUNION INTERACTIVE: 09/09/2012 (1)

 

CONSUMER INFO.COM: 09/04/2012, 10/04/2011, 09/03/2011, 09/01/2011, 08/31/2011, 08/30/2011, 08/23/2011, 03/03/2011, 02/23/2011, 02/01/2011, 10/26/2010, 09/28/2010 (12)

 

GEICO INS CO: 03/18/2012 (1)

 

N via QUINN STREET/ESURANCE: 03/18/2012 (1)

 

N via QUINN STREET/TRAVELERS: 03/18/2012 (1)

 

N via QUINN STREET/UNITRIN: 03/18/2012 (1)

 

N via QUINSTREET: 03/18/2012 (1)

 

VERIFACTS INC: 09/23/2011, 11/30/2010 (2)

 

 

Total Permissible Purpose softs found: 22

Posted (edited)

yeah no kidding...TU B* is boring. One puller only, no complex challenging deadlines to beat...etc. like you have with EQ B*.

 

Not even sure why I even bothered putting a counter column for it in my spreadsheet.:P

Edited by junkyour925
Posted

Ive been a silent browser for a while on all the b* threads I just had to sign up to thank you all for the constant info updates! I went from 16 inquiries down to 7 on TU... they've been coming off every day this week up until today none fell off and I was wondering should I be concerned the 7 remaining are stickies or do some days skip? I still havent had any B* on EQ but I should be pretty close... I have 15 on EQ! Im in Texas and I pull SC, CS, TC, USAA, CCT, and EC. Im already 780 EQ, 776 EX, 747 TU, Anyone else had B* stop all of a sudden... Thanks.

Posted

Can anyone tell me if I have been c* by TU... I thought TU didnt chop but I cant find any softs before 9/14 and I ve been pulling all month long... I had b* from 15 down to 7 and it just stopped around 9/14....

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE, CA 92612

Phone number not available

Requested On: 09/17/2012, 09/17/2012, 09/17/2012, 09/16/2012, 09/16/2012, 09/16/2012, 09/15/2012

Permissible Purpose: CONSUMER REQUEST

 

via PATHWAY DATA INC

 

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 09/17/2012, 09/16/2012, 09/15/2012, 09/14/2012, 09/13/2012, 09/12/2012, 09/11/2012, 09/10/2012, 09/09/2012, 09/08/2012, 09/06/2012, 09/01/2012, 08/31/2012, 08/30/2012, 08/29/2012, 08/17/2012, 08/16/2012, 08/13/2012, 08/12/2012, 08/01/2012, 07/30/2012

Permissible Purpose: CONSUMER REQUEST

via TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP, CA 93401

Phone number not available

Requested On: 09/17/2012, 09/16/2012, 09/15/2012

Permissible Purpose: CREDIT MONITORING

 

DIR TO CONS VIA EQUIFAX

1550 PEACHTREE NW

ATLANTA, GA 30309

Phone number not available

Requested On: 09/10/2012

BARCLAYS BANK DELAWARE

POB 8803

WILMINGTON, DE 19899

(866) 370-5931

Requested On: 09/04/2012, 08/14/2012, 07/20/2012, 07/14/2012, 07/13/2012, 06/13/2012, 06/07/2012, 05/25/2012, 05/24/2012, 05/10/2012

 

DISCOVER FINCL SVC LLC

2500 LAKE COOK RD

RIVERWOODS, IL 60015

(800) 347-2683

Requested On: 08/27/2012, 07/27/2012, 06/26/2012, 05/27/2012, 04/26/2012

CAPITAL ONE BANK USA NA

PO BOX 30281

SALT LAKE CITY, UT 84130

(800) 258-9319

Requested On: 08/10/2012, 08/10/2012

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP, CA 93401

Phone number not available

Requested On: 08/09/2012, 08/02/2012, 07/24/2012, 07/19/2012, 07/18/2012, 07/18/2012, 07/17/2012, 07/17/2012, 05/23/2012, 05/16/2012, 04/24/2012, 04/24/2012, 04/18/2012, 04/17/2012, 04/17/2012, 04/17/2012, 04/12/2012, 03/28/2012, 02/08/2012, 01/09/2012, 12/06/2011, 11/30/2011, 11/04/2011, 10/21/2011, 10/12/2011, 09/08/2011, 08/11/2011, 07/28/2011, 05/11/2011, 03/11/2011, 02/19/2011, 02/19/2011, 02/17/2011, 01/05/2011, 01/05/2011, 12/14/2010, 11/10/2010

Permissible Purpose: CREDIT MONITORING

CONSUMER INFO.COM

 

IRVINE, CA 92612

Phone number not available

Requested On: 08/08/2012, 08/02/2012, 07/24/2012, 07/18/2012, 07/18/2012, 07/18/2012, 07/17/2012, 07/17/2012, 05/23/2012, 05/16/2012, 05/02/2012, 02/29/2012, 01/26/2011, 01/05/2011, 12/14/2010, 11/10/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

PATHWAY DATA INC

265 BRIGGS AVENUE

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 08/02/2012, 08/01/2012

Permissible Purpose: CONSUMER REQUEST

PATHWAY DATA INC

265 BRIGGS AVENUE

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 07/30/2012

 

LENDING CLUB CORPORATION

71 STEVENSON ST

SUITE 300

SAN FRANCISCO, CA 94105

(800) 964-7937

Requested On: 07/24/2012, 04/24/2012, 04/18/2012

FIRST USA BANK

PO BOX 8650

WILMINGTON, DE 19899

(302) 594-4000

Requested On: 05/09/2012, 12/08/2011

 

CITICARDS BANKCARD via LEXIS NEXIS

2885 BRECKINRIDGE

SUITE 200

DULUTH, GA 30096

(770) 291-3550

Requested On: 04/11/2012

Permissible Purpose: CREDIT TRANSACTION

DATA VERIFY

16100 CHESTERFIELD

WEST SUITE 200

CHESTERFIELD, MO 63017

(636) 532-9797

Requested On: 01/30/2012

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS, MN 55402

(800) 319-4433

Requested On: 01/24/2012

Permissible Purpose: CONSUMER REQUEST

HOMESITE GROUP

99 BEDFORD STREET

BOSTON, MA 02111

Phone number not available

Requested On: 01/08/2012, 12/19/2011

Permissible Purpose: INSURANCE UNDERWRITING

 

PLAZA RECOVERY INC

370 7TH AVE

NEW YORK, NY 10001

Phone number not available

Requested On: 11/25/2011, 11/06/2011, 10/28/2011, 10/25/2011, 10/14/2011

GECRB/CARE CREDIT

C/O PO BOX 965036

ORLANDO, FL 32896

(866) 396-8254

Requested On: 11/23/2011, 10/26/2011, 10/13/2011, 10/06/2011, 09/29/2011, 09/28/2011, 09/22/2011

 

CHASE BANK DEPOSIT PRODU

1111 POLARIS PARKW

OH1-0084

COLUMBUS, OH 43240

Phone number not available

Requested On: 10/21/2011

CREDIT CONTROL SERVICES

6 CAMPANELLI DRIVE

ANDOVER, MA 01810

(617) 965-2000

Requested On: 09/14/2011

 

PLAZA RECOVERY INC

370 7TH AVENUE

FKA PLAZA ASSOCIAT

NEW YORK, NY 10001

Phone number not available

Requested On: 04/19/2011

BUREAU OF COLL RECOVY LL

7525 MITCHELL ROAD

SUITE 301

EDEN PRAIRIE, MN 55344

Phone number not available

Requested On: 03/18/2011

 

AMSHER

600 BEACON PARKWAY

SUITE 300

BIRMINGHAM, AL 35209

(205) 313-2630

Requested On: 01/03/2011

Posted

Jdmajor,

 

This seems to be normal, and Im sure you will see your pathways re appear alongside bumpage.. The real question is do you see softs or hard that should have been bumped ?

Posted

Jdmajor,

 

This seems to be normal, and Im sure you will see your pathways re appear alongside bumpage.. The real question is do you see softs or hard that should have been bumped ?

Well I dont know what pathways is exactly CreditMama but thanks for the feedback.. all i know is my b* was moving right along daily up until 9/13, (from 16 down to 7) when I pulled truecredit I noticed an AU was deleted by TU without me disputing it, I called to inquire and was told by the representative that called me the following day about AU alerts TU has implemented, since she returned my call 9/14, b* stopped for me completely. Today I pulled TU backdoor and noticed I see no softs before 9/14 and Ive been pulling like a madman from all suggested pullers before 9/14 so I just figured I'd been C* although I heard TU doesnt C*... So I brought my situation here for feedback but Im still pulling daily... Just found that interesting...

Posted

Can anyone tell me if I have been c* by TU... I thought TU didnt chop but I cant find any softs before 9/14 and I ve been pulling all month long... I had b* from 15 down to 7 and it just stopped around 9/14....

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE, CA 92612

Phone number not available

Requested On: 09/17/2012, 09/17/2012, 09/17/2012, 09/16/2012, 09/16/2012, 09/16/2012, 09/15/2012

Permissible Purpose: CONSUMER REQUEST

 

via PATHWAY DATA INC

 

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 09/17/2012, 09/16/2012, 09/15/2012, 09/14/2012, 09/13/2012, 09/12/2012, 09/11/2012, 09/10/2012, 09/09/2012, 09/08/2012, 09/06/2012, 09/01/2012, 08/31/2012, 08/30/2012, 08/29/2012, 08/17/2012, 08/16/2012, 08/13/2012, 08/12/2012, 08/01/2012, 07/30/2012

Permissible Purpose: CONSUMER REQUEST

via TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP, CA 93401

Phone number not available

Requested On: 09/17/2012, 09/16/2012, 09/15/2012

Permissible Purpose: CREDIT MONITORING

 

DIR TO CONS VIA EQUIFAX

1550 PEACHTREE NW

ATLANTA, GA 30309

Phone number not available

Requested On: 09/10/2012

BARCLAYS BANK DELAWARE

POB 8803

WILMINGTON, DE 19899

(866) 370-5931

Requested On: 09/04/2012, 08/14/2012, 07/20/2012, 07/14/2012, 07/13/2012, 06/13/2012, 06/07/2012, 05/25/2012, 05/24/2012, 05/10/2012

 

DISCOVER FINCL SVC LLC

2500 LAKE COOK RD

RIVERWOODS, IL 60015

(800) 347-2683

Requested On: 08/27/2012, 07/27/2012, 06/26/2012, 05/27/2012, 04/26/2012

CAPITAL ONE BANK USA NA

PO BOX 30281

SALT LAKE CITY, UT 84130

(800) 258-9319

Requested On: 08/10/2012, 08/10/2012

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP, CA 93401

Phone number not available

Requested On: 08/09/2012, 08/02/2012, 07/24/2012, 07/19/2012, 07/18/2012, 07/18/2012, 07/17/2012, 07/17/2012, 05/23/2012, 05/16/2012, 04/24/2012, 04/24/2012, 04/18/2012, 04/17/2012, 04/17/2012, 04/17/2012, 04/12/2012, 03/28/2012, 02/08/2012, 01/09/2012, 12/06/2011, 11/30/2011, 11/04/2011, 10/21/2011, 10/12/2011, 09/08/2011, 08/11/2011, 07/28/2011, 05/11/2011, 03/11/2011, 02/19/2011, 02/19/2011, 02/17/2011, 01/05/2011, 01/05/2011, 12/14/2010, 11/10/2010

Permissible Purpose: CREDIT MONITORING

CONSUMER INFO.COM

 

IRVINE, CA 92612

Phone number not available

Requested On: 08/08/2012, 08/02/2012, 07/24/2012, 07/18/2012, 07/18/2012, 07/18/2012, 07/17/2012, 07/17/2012, 05/23/2012, 05/16/2012, 05/02/2012, 02/29/2012, 01/26/2011, 01/05/2011, 12/14/2010, 11/10/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

PATHWAY DATA INC

265 BRIGGS AVENUE

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 08/02/2012, 08/01/2012

Permissible Purpose: CONSUMER REQUEST

PATHWAY DATA INC

265 BRIGGS AVENUE

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 07/30/2012

 

LENDING CLUB CORPORATION

71 STEVENSON ST

SUITE 300

SAN FRANCISCO, CA 94105

(800) 964-7937

Requested On: 07/24/2012, 04/24/2012, 04/18/2012

FIRST USA BANK

PO BOX 8650

WILMINGTON, DE 19899

(302) 594-4000

Requested On: 05/09/2012, 12/08/2011

 

CITICARDS BANKCARD via LEXIS NEXIS

2885 BRECKINRIDGE

SUITE 200

DULUTH, GA 30096

(770) 291-3550

Requested On: 04/11/2012

Permissible Purpose: CREDIT TRANSACTION

DATA VERIFY

16100 CHESTERFIELD

WEST SUITE 200

CHESTERFIELD, MO 63017

(636) 532-9797

Requested On: 01/30/2012

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS, MN 55402

(800) 319-4433

Requested On: 01/24/2012

Permissible Purpose: CONSUMER REQUEST

HOMESITE GROUP

99 BEDFORD STREET

BOSTON, MA 02111

Phone number not available

Requested On: 01/08/2012, 12/19/2011

Permissible Purpose: INSURANCE UNDERWRITING

 

PLAZA RECOVERY INC

370 7TH AVE

NEW YORK, NY 10001

Phone number not available

Requested On: 11/25/2011, 11/06/2011, 10/28/2011, 10/25/2011, 10/14/2011

GECRB/CARE CREDIT

C/O PO BOX 965036

ORLANDO, FL 32896

(866) 396-8254

Requested On: 11/23/2011, 10/26/2011, 10/13/2011, 10/06/2011, 09/29/2011, 09/28/2011, 09/22/2011

 

CHASE BANK DEPOSIT PRODU

1111 POLARIS PARKW

OH1-0084

COLUMBUS, OH 43240

Phone number not available

Requested On: 10/21/2011

CREDIT CONTROL SERVICES

6 CAMPANELLI DRIVE

ANDOVER, MA 01810

(617) 965-2000

Requested On: 09/14/2011

 

PLAZA RECOVERY INC

370 7TH AVENUE

FKA PLAZA ASSOCIAT

NEW YORK, NY 10001

Phone number not available

Requested On: 04/19/2011

BUREAU OF COLL RECOVY LL

7525 MITCHELL ROAD

SUITE 301

EDEN PRAIRIE, MN 55344

Phone number not available

Requested On: 03/18/2011

 

AMSHER

600 BEACON PARKWAY

SUITE 300

BIRMINGHAM, AL 35209

(205) 313-2630

Requested On: 01/03/2011

 

Most of the softs on this list are from before 9/14. What are you looking at?

Posted (edited)

Can anyone tell me if I have been c* by TU... I thought TU didnt chop but I cant find any softs before 9/14 and I ve been pulling all month long... I had b* from 15 down to 7 and it just stopped around 9/14....

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE, CA 92612

Phone number not available

Requested On: 09/17/2012, 09/17/2012, 09/17/2012, 09/16/2012, 09/16/2012, 09/16/2012, 09/15/2012

Permissible Purpose: CONSUMER REQUEST

 

via PATHWAY DATA INC

 

COSTA MESA, CA 92626

(877) 372-3895

Requested On: 09/17/2012, 09/16/2012, 09/15/2012, 09/14/2012, 09/13/2012, 09/12/2012, 09/11/2012, 09/10/2012, 09/09/2012, 09/08/2012, 09/06/2012, 09/01/2012, 08/31/2012, 08/30/2012, 08/29/2012, 08/17/2012, 08/16/2012, 08/13/2012, 08/12/2012, 08/01/2012, 07/30/2012

Permissible Purpose: CONSUMER REQUEST

 

 

via TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP, CA 93401

Phone number not available

Requested On: 09/17/2012, 09/16/2012, 09/15/2012

Permissible Purpose: CREDIT MONITORING

 

DIR TO CONS VIA EQUIFAX

1550 PEACHTREE NW

ATLANTA, GA 30309

Phone number not available

Requested On: 09/10/2012

BARCLAYS BANK DELAWARE

POB 8803

WILMINGTON, DE 19899

(866) 370-5931

Requested On: 09/04/2012, 08/14/2012, 07/20/2012, 07/14/2012, 07/13/2012, 06/13/2012, 06/07/2012, 05/25/2012, 05/24/2012, 05/10/2012

 

DISCOVER FINCL SVC LLC

2500 LAKE COOK RD

RIVERWOODS, IL 60015

(800) 347-2683

Requested On: 08/27/2012, 07/27/2012, 06/26/2012, 05/27/2012, 04/26/2012

CAPITAL ONE BANK USA NA

PO BOX 30281

SALT LAKE CITY, UT 84130

(800) 258-9319

Requested On: 08/10/2012, 08/10/2012

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP, CA 93401

Phone number not available

Requested On: 08/09/2012, 08/02/2012, 07/24/2012, 07/19/2012, 07/18/2012, 07/18/2012, 07/17/2012, 07/17/2012, 05/23/2012, 05/16/2012, 04/24/2012, 04/24/2012, 04/18/2012, 04/17/2012, 04/17/2012, 04/17/2012, 04/12/2012, 03/28/2012, 02/08/2012, 01/09/2012, 12/06/2011, 11/30/2011, 11/04/2011, 10/21/2011, 10/12/2011, 09/08/2011, 08/11/2011, 07/28/2011, 05/11/2011, 03/11/2011, 02/19/2011, 02/19/2011, 02/17/2011, 01/05/2011, 01/05/2011, 12/14/2010, 11/10/2010

Permissible Purpose: CREDIT MONITORING

CONSUMER INFO.COM

 

 

The red ones are from before 9/14... Im confused.. help us help you.

And it looks like your pulling was sporadic. Did you in fact pull SmartCredit everyday from 7/30.2012 until today ?

Edited by Credit Mama
Posted

Well yes I was pretty sporadic on pulling because I wasnt pulling for B* until recently... I guess I already had plenty of softs that counted because I wasn't expecting B* as soon as I saw it... I just found out about TU backdoor to count softs today so I dont know which puller is listed under which codename aside from Transunion Interactive... Early last week they start coming off but stopped right around the time I called to inquire about AU being removed by TU which is why I suspected C* (or that the 7 remaining are stickies)... Ive just been trying to find the reason B* stopped suddenly for me without any new hard pulls... I was only pulling CCT until I start trying B* now i pull CCT, SC, TC, CS, USAA, EC, and I ordered MPM today... I meant that I was expecting to see consecutive softs from today back to around 9/1 when I started but maybe Im missing something... Still no B* on EQ at all...

Posted

Hey CM, expect the recently bumped TU hards to ping pong back and forth daily until you are well past 56 soft pulls. Eventually they will stay off and not return.

 

Once you have all the baddies off your report then next thing you want to do is add tradelines to your file to shoot your score to 800,

 

After that you start making money off your credit file and I am not talking about lame "rewards" cards.

 

This explains what I was about to post. Only 21 days in and two inqs disappeared from MPM. They still appear on CS. I pull MPM about 6 hours later than CS, so they may have dropped sometime this morning. Can't wait for them to reappear! dry.gif

The last post in this topic was posted 4040 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

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