The Monster TransUnion Bumpage TU B* Master Thread

[janine510]

ok got it!

Edited May 10, 2013 by janine510

[timecoloured]

Is everyone in the same boat regarding TU B* these days -- i.e. all INQs are bumped when you look at a daily puller, but they are all still lingering on the official TU report? Or am I just one of the lucky ones?

[BobWang]

Your own personal "enhanced" report does contain all the old hard inquiries.

 

Whether that "enhanced" report is being widely distributed to creditors is unclear.

[calichick]

I couldn't find the answer to my question.

 

I've been using USAA (for monitoring) and SC to B* TU for the last 2 months or so. I had about 7 inquiries on my TU report. Recently, I had 5 B* fall off (all were inquired on the same day) and now there's 2 left. I thought the process was suppose to keep B* until the rest of the inquiries off? No? Confused. Someone please explain.

 

FYI: The last two were more recent inquires.

[hrguy]

I couldn't find the answer to my question.

 

I've been using USAA (for monitoring) and SC to B* TU for the last 2 months or so. I had about 7 inquiries on my TU report. Recently, I had 5 B* fall off (all were inquired on the same day) and now there's 2 left. I thought the process was suppose to keep B* until the rest of the inquiries off? No? Confused. Someone please explain.

 

FYI: The last two were more recent inquires.

56 after the date of the hards. So 56 after the last two.

[GR8WhiTE]

 

New to the whole *B* thing. Just now reading about it and trying to understand how it works. Going to take me quite awhile to get thru all 194 pages of the master thread .

 

So I purchased the premium SC service. Been pulling everyday since May 18, 2011. Yesterday I noticed an inquiry gone from the SC reports. Thought maybe it was a glitch because I didn't pull enough yet. Now todays SC pull shows another inquiry gone. 2 in two days. Are they really gone? I can't seem to login into TU and check I'm only going by the SC reports.

 

Can someone explain this? How many more will continue to drop before I have to start over? I don't use any other service. Could it be because there is nothing on my report. My report only has 3 TLs and 8 inquiry's. Nothing else

 

Thanks for any suggestions.

SCP does not do monthly chops like Equifax.

Just keep doing what you're doing, and all your TU bumpable inquires should go away.

Hey BW...

 

I know this is an old thread but I didn't realize how easy B* can be on TU compared to EQ. I just picked up SCP a few days ago and I started to pull my report daily. Thanks for all your info.

[BobWang]

"Monster Thread" was tongue-in-cheek.

[GR8WhiTE]

Yes...very helpful

[calichick]

hrguy:

Thanks for the response, but I'm still confused??! I made an error about my post, there's were actually a total of 8 hard inquiries before I started this whole B* process. (Not 7, sorry).

 

Here are the original 8 hard inquiries: (from oldest to newest)

 

CAP ONE 12/25/2012

GECRB/WALMART 12/25/2012

GECRB/PPEXTR 02/09/2013

GECRB/LOWES 02/09/2013

GECRB/AMAZON 02/09/2013

BRCLYSBANKDE 02/09/2013

GECRB/WALMART 04/16/2013

KARL MALONE 04/22/2013

 

The first 6 got B*

 

My question is, if I still pull SC everyday since the last B*, why isn't the last two off by now!?? I get that you're saying 56 after the last two, but shouldn't it keep B* right after it took off the ones with the dates of 02/09/2013!??!

Edited May 26, 2013 by calichick

[BDK]

hrguy:

Thanks for the response, but I'm still confused??! I made an error about my post, there's were actually a total of 8 hard inquiries before I started this whole B* process. (Not 7, sorry).

 

Here are the original 8 hard inquiries: (from oldest to newest)

 

CAP ONE 12/25/2012

GECRB/WALMART 12/25/2012

GECRB/PPEXTR 02/09/2013

GECRB/LOWES 02/09/2013

GECRB/AMAZON 02/09/2013

BRCLYSBANKDE 02/09/2013

GECRB/WALMART 04/16/2013

KARL MALONE 04/22/2013

 

The first 6 got B*

 

My question is, if I still pull SC everyday since the last B*, why isn't the last two off by now!?? I get that you're saying 56 after the last two, but shouldn't it keep B* right after it took off the ones with the dates of 02/09/2013!??!

56 after 4/16, and 56 after 4/22.

[hrguy]

Yup, if you've been faithful in pulling, you should be done in 3 weeks or so. Keep pulling for 2 weeks after the last one falls

[calichick]

 

hrguy:

Thanks for the response, but I'm still confused??! I made an error about my post, there's were actually a total of 8 hard inquiries before I started this whole B* process. (Not 7, sorry).

 

Here are the original 8 hard inquiries: (from oldest to newest)

 

CAP ONE 12/25/2012

GECRB/WALMART 12/25/2012

GECRB/PPEXTR 02/09/2013

GECRB/LOWES 02/09/2013

GECRB/AMAZON 02/09/2013

BRCLYSBANKDE 02/09/2013

GECRB/WALMART 04/16/2013

KARL MALONE 04/22/2013

 

The first 6 got B*

 

My question is, if I still pull SC everyday since the last B*, why isn't the last two off by now!?? I get that you're saying 56 after the last two, but shouldn't it keep B* right after it took off the ones with the dates of 02/09/2013!??!

56 after 4/16, and 56 after 4/22.

 

OH EM GEE... a light bulb just came on lol. So that how it really works. Is this the same with B* EX? Certain amount of Soft Inquiries after the date when it was pulled?

 

Thanks BDK & hrguy, you two are the bomb.com

 

[hrguy]

You can't on EX. EQ you can, but the number is higher

[calichick]

You can't on EX. EQ you can, but the number is higher

 

Oops, I mean EQ. I know EX can't be B*. Thank you. Can't wait till all the Inquiries fall off my TU then I can start on EQ. Have a wonderful Memorial weekend!

[hrguy]

 

You can't on EX. EQ you can, but the number is higher

 

Oops, I mean EQ. I know EX can't be B*. Thank you. Can't wait till all the Inquiries fall off my TU then I can start on EQ. Have a wonderful Memorial weekend!

you too

[GR8WhiTE]

You guys excite me too much with all this B* talk

 

Wanted to ask hrguy, why do you continue to pull an additional 2 weeks after the last one falls?

[Menta33]

Why do you continue to pull an additional 2 weeks after the last one falls?

 

Because sometimes they reappear again, perhaps due to some of the softs reappearing, and allowing the hard to show again. You avoid this by continuing to pull after it B*s for a bit.

[hrguy]

 

Why do you continue to pull an additional 2 weeks after the last one falls?

 

Because sometimes they reappear again, perhaps due to some of the softs reappearing, and allowing the hard to show again. You avoid this by continuing to pull after it B*s for a bit.

What he said. Sometimes the softs disappear after midnight and you will see the hards come back and go for the first week or so after b*.

[BDK]

 

 

hrguy:

Thanks for the response, but I'm still confused??! I made an error about my post, there's were actually a total of 8 hard inquiries before I started this whole B* process. (Not 7, sorry).

 

Here are the original 8 hard inquiries: (from oldest to newest)

 

CAP ONE 12/25/2012

GECRB/WALMART 12/25/2012

GECRB/PPEXTR 02/09/2013

GECRB/LOWES 02/09/2013

GECRB/AMAZON 02/09/2013

BRCLYSBANKDE 02/09/2013

GECRB/WALMART 04/16/2013

KARL MALONE 04/22/2013

 

The first 6 got B*

 

My question is, if I still pull SC everyday since the last B*, why isn't the last two off by now!?? I get that you're saying 56 after the last two, but shouldn't it keep B* right after it took off the ones with the dates of 02/09/2013!??!

56 after 4/16, and 56 after 4/22.

 

OH EM GEE... a light bulb just came on lol. So that how it really works.

[BobWang]

[robert217]

I Currently have 44 permissible softs after my 5 hards. Planning on applying for a mortgage on 7/10 and would like to B* all by then. Using TU plus, SCP, willing to myfico everyday.

 

Is there any other trials I can add that might be good for 1 or 2 softs? Currently pulling USAA, and MPM Daily, Pulled TU BD For the first time today. Also signed up for CK and CSesame free service.

[BobWang]

The emergency triple-puller list for Equifax MIGHT leave behind a TransUnion soft,

 

but that's not guaranteed,

 

and the emergency list is just that,

 

for emergency use only.

[robert217]

The emergency triple-puller list for Equifax MIGHT leave behind a TransUnion soft,

 

but that's not guaranteed,

 

and the emergency list is just that,

 

for emergency use only.

What can happen if I sign up for one everyday for the next 10 days? Is the worst EQ C*?

[Occam]

I Currently have 44 permissible softs after my 5 hards. Planning on applying for a mortgage on 7/10 and would like to B* all by then. Using TU plus, SCP, willing to myfico everyday.

 

Is there any other trials I can add that might be good for 1 or 2 softs? Currently pulling USAA, and MPM Daily, Pulled TU BD For the first time today. Also signed up for CK and CSesame free service.

If you are only concerned about TU you have nothing to worry about. You will easily finish in time without wasting $ on myfico or using up one-time free trials.

 

If the mortgage lender gets your enhanced report it won't matter anyway, but they probably won't (if they do, PLEASE report back!).

[Occam]

The emergency triple-puller list for Equifax MIGHT leave behind a TransUnion soft,

 

but that's not guaranteed,

 

and the emergency list is just that,

 

for emergency use only.

Hey Bob, just noticed your signature. Great book!