The Master Equifax & TransUnion B* Bumpage Thread

[ctb89]

Wasn't being condescending. Also, knowing that you started with 39 hards helps a lot. Were you hunting for a mortgage by any chance? Either way, a number of your hards are undoubtedly sticky.

 

We're all here to learn and help to the best of our abilities. All we ask is that people are polite and take it upon themselves to learn as much as possible instead of asking for it to be done for them. It sounds like you've read all threads and know what you're doing, so maybe going forward it would help to create a spreadsheet or other organizational device to keep track of what you're actually bumping.

[BobWang]

a tad condescending at times

I passed condescension over 4 years ago.

[custom diesel]

lol youins r funnier than i thought!

 

we will write in the a.m.

[muss08]

As requested.

 

 

CREDITEXPERT 1-866-673-0140: 06/17/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/10/12, 06/09/12, 06/08/12, 06/07/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/28/12, 05/27/12, 05/26/12, 05/25/12, 05/24/12, 04/30/12, 11/18/11, 10/31/11, 09/30/11 (29)

EQUIFAX CONSUMER SERVICES: 06/17/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/10/12, 06/09/12, 06/08/12, 06/07/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/28/12, 05/27/12, 05/26/12, 05/25/12, 05/24/12, 04/29/12 (26)

TRUECREDIT/24 PROTECT: 06/12/12 (1)

TRUECREDIT/COVERDELL MY: 05/31/12 (1)

TRUECREDIT/FREESCORE: 06/12/12 (1)

TRUECREDIT/VERTRUE: 06/17/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/11/12, 06/10/12, 06/09/12, 06/08/12, 06/07/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12 (18)

Total confirmed softs found: 76

FAIR ISAAC: 06/11/12, 04/19/12, 09/26/11 (3)

INTERSECTIONS: 06/12/12 (1)

Total unconfirmed softs found: 4

 

Total possible softs found: 80

 

 

 

Uncounted Softs:

PRM-7TH AVENUE: 10/11/11

ANDERA: 06/10/12, 06/08/12

PRM-AT&T WIRELESS: 04/24/12

AR-AT&T INC.: 02/27/12, 11/23/11

AR-CAPITAL ONE: 05/21/12, 05/17/12, 10/04/11

ND-CAPITAL ONE/HSBC: 09/17/11

AR-CHARLOTTE METRO CREDIT UNION: 02/06/12, 08/22/11

PRM-CREDIT ONE BANK NA: 03/13/12, 12/15/11

ND-EQUIFAX: 04/03/11, 11/23/11

ND-EQUIFAX CONSUMER SERVICES: 06/16/12, 12/21/11

EQUIFAX INFORMATION SVS: 10/15/11

ND-FAIR ISAAC: 05/20/11

ND-FARMERS INSURANCE GROUP: 05/16/11

PRM-FINGERHUT: 10/10/11

PRM-FIRST PREMIER BANK PROMO: 04/19/12, 03/06/12

AR-HOUSEHOLD BANK: 04/26/12, 12/27/11

ND-CHOICEPOINT ::2669538397: 09/21/11, 07/05/11, 10/15/10

AR-MACY\'S/DSNB: 09/24/11

AR-MACYS/DSNB: 05/25/12, 12/30/11

AR-MACYS/FDSB: 08/16/11

AR-NAVY FCU: 05/01/12

NAVY FCU: 04/07/12

AR-NU VISION FCU: 04/12/12, 10/19/11

AR-PENTAGON FEDERAL CREDIT UN: 03/06/12, 09/13/11

PRM ONL-THE LENDING TREE: 05/26/12

PRM-THE TRAVELERS INDEMITY COMPANY: 09/22/11, 07/06/11

AR-TOYOTA FINANCIAL SERVICES: 05/04/12, 12/06/11

AR-WEBBANK/BML: 12/13/11

 

Hards?

[BDK]

 

Didn't even notice the declining hards.

 

Really??? For SHAME!!!

[BDK]

a tad condescending at times

I passed condescension over 4 years ago.

 

WAAY too many syllables in that word for me!

[ctb89]

 

Didn't even notice the declining hards.

 

Really??? For SHAME!!!

I didn't read back far enough.

[sb913594]

As requested.

 

 

CREDITEXPERT 1-866-673-0140: 06/17/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/10/12, 06/09/12, 06/08/12, 06/07/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/28/12, 05/27/12, 05/26/12, 05/25/12, 05/24/12, 04/30/12, 11/18/11, 10/31/11, 09/30/11 (29)

EQUIFAX CONSUMER SERVICES: 06/17/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/10/12, 06/09/12, 06/08/12, 06/07/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/28/12, 05/27/12, 05/26/12, 05/25/12, 05/24/12, 04/29/12 (26)

TRUECREDIT/24 PROTECT: 06/12/12 (1)

TRUECREDIT/COVERDELL MY: 05/31/12 (1)

TRUECREDIT/FREESCORE: 06/12/12 (1)

TRUECREDIT/VERTRUE: 06/17/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/11/12, 06/10/12, 06/09/12, 06/08/12, 06/07/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12 (18)

Total confirmed softs found: 76

FAIR ISAAC: 06/11/12, 04/19/12, 09/26/11 (3)

INTERSECTIONS: 06/12/12 (1)

Total unconfirmed softs found: 4

 

Total possible softs found: 80

 

 

 

Uncounted Softs:

PRM-7TH AVENUE: 10/11/11

ANDERA: 06/10/12, 06/08/12

PRM-AT&T WIRELESS: 04/24/12

AR-AT&T INC.: 02/27/12, 11/23/11

AR-CAPITAL ONE: 05/21/12, 05/17/12, 10/04/11

ND-CAPITAL ONE/HSBC: 09/17/11

AR-CHARLOTTE METRO CREDIT UNION: 02/06/12, 08/22/11

PRM-CREDIT ONE BANK NA: 03/13/12, 12/15/11

ND-EQUIFAX: 04/03/11, 11/23/11

ND-EQUIFAX CONSUMER SERVICES: 06/16/12, 12/21/11

EQUIFAX INFORMATION SVS: 10/15/11

ND-FAIR ISAAC: 05/20/11

ND-FARMERS INSURANCE GROUP: 05/16/11

PRM-FINGERHUT: 10/10/11

PRM-FIRST PREMIER BANK PROMO: 04/19/12, 03/06/12

AR-HOUSEHOLD BANK: 04/26/12, 12/27/11

ND-CHOICEPOINT ::2669538397: 09/21/11, 07/05/11, 10/15/10

AR-MACY\'S/DSNB: 09/24/11

AR-MACYS/DSNB: 05/25/12, 12/30/11

AR-MACYS/FDSB: 08/16/11

AR-NAVY FCU: 05/01/12

NAVY FCU: 04/07/12

AR-NU VISION FCU: 04/12/12, 10/19/11

AR-PENTAGON FEDERAL CREDIT UN: 03/06/12, 09/13/11

PRM ONL-THE LENDING TREE: 05/26/12

PRM-THE TRAVELERS INDEMITY COMPANY: 09/22/11, 07/06/11

AR-TOYOTA FINANCIAL SERVICES: 05/04/12, 12/06/11

AR-WEBBANK/BML: 12/13/11

 

Hards?

 

I'm sorry, I didn't realize you wanted both (thought you just wanted clarification on the actual entries I referred to) To be clear, I assume you want the softs/hards from the day last week that I expected to bump and didn't or does it matter?

[BobWang]

[custom diesel]

 

CHASE BANK 05/22/12 credit card

FIRST ADVANTAGE CREDCO 05/29/12 automotive

FIRST AMERICAN CREDCO 01/09/12, 08/02/10 automotive

CREDCO AUTOMOTIVe 12/23/11 automotive

FACUTAL DATA 12/06/10 this could be mortgage

MEDALLION BANK 05/30/12 credit card

REGENCY FINANCE COMPANY 05/29/12 finance co. these are not sticky as several have been b*

UNIVERSAL CREDIT SERVICES 07/01/11 or this could be mortgage (one of the two but not both) applied at one place and got the mortgage

 

these are what is left one b* this am with 4 pulls with same pullers everyone else is using

 

 

 

[custom diesel]

these are the softs after running them thru the counter but not before formatting them to everyones liking i hope.CIC/EXPERIAN ALRTS: 05/29/12 (1)CIC/EXPERIAN RPTS: 06/19/12, 06/18/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/08/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12 (18)CREDITEXPERT 1-866-673-0140: 06/19/12, 06/18/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/08/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/26/12, 05/25/12 (20)EQUIFAX CONSUMER SERVICES: 06/19/12, 06/18/12, 06/16/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/08/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/26/12, 05/25/12, 12/15/11 (21)TRUECREDIT/VERTRUE: 06/19/12, 06/18/12, 06/15/12, 06/14/12, 06/13/12, 06/12/12, 06/11/12, 06/08/12, 06/06/12, 06/05/12, 06/04/12, 06/03/12, 06/02/12, 06/01/12, 05/31/12, 05/30/12, 05/29/12, 05/26/12, 05/25/12 (19)TRUELINK: 06/18/12, 06/15/12, 06/05/12 (3)Total confirmed softs found: 82FIRST ADVANTAGE CREDCO: 05/20/12 (1)INTERSECTIONS: 05/16/12, 06/20/11 (2)Total unconfirmed softs found: 3

Total possible softs found: 85

 

 

 

b* one this morning on eq so must still be b*ing softs??

 

truecredit vertrue is mpm correct?

 

credit expert is usaa?

 

cic is amex im guessing?

 

equifax consumer services is eq adavantage? so that shows four which should be triggering b* so it looks like a slow process if softs are coming off we get c* here in tn on the 24th 5 days 9 to go bummer

 

 

[ctb89]

You just bumped SHEFFIELD FINANCIAL which was from 5/18. This means that all your hards dated before that are sticky. Now you have some softs in between that hard and your next hard that have to get bumped first.

[ctb89]

FIRST AMERICAN CREDCO 01/09/12, 08/02/10

CREDCO AUTOMOTIVe 12/23/11

FACUTAL DATA 12/06/10

UNIVERSAL CREDIT SERVICES 07/01/11

 

These are your 5 stickies as of now. This is what I meant about re-reading some of the threads. I don't want to beat a dead horse, but you said none of them were sticky. If you have hards that are older than the last INQ you B*, that means they're sticky (due to FIFO ordering).

[custom diesel]

ok the threads pretty large & i got the impression you enjoyed showing off your expertise in the subject, I gathered that stickies were typically mortgage inquiries.

 

i wouldnt have figured that credco was a non b*able inq. it is an automtive inquiry all of them are.

 

factual data or universal were from a mortgage

 

beating a dead horse just brings up a not so good mental picture

 

can anything be done about stickies or should I go back & read...

[FicoChampion]

I want to get my father on the b* train....when day does c* end for sure so I can get started.

[BobWang]

I want to get my father on the b* train....when day does c* end for sure so I can get started.

Get started right away, especially with MPM, since it takes a while to get access.

[ctb89]

ok the threads pretty large & i got the impression you enjoyed showing off your expertise in the subject, I gathered that stickies were typically mortgage inquiries.

 

i wouldnt have figured that credco was a non b*able inq. it is an automtive inquiry all of them are.

 

factual data or universal were from a mortgage

 

beating a dead horse just brings up a not so good mental picture

 

can anything be done about stickies or should I go back & read...

No, I don't particularly get any satisfaction "showing off" my knowledge to strangers on an anonymous Internet forum. But that is neither here nor there.

 

As for stickies, there is nothing you can do. Just wait for them them to fall off.

 

There's no hard and fast rule about which INQs are sticky. Mortgage INQs usually are, but there is nothing that excludes others. I would just keep pulling and clear the rest.

[ugghh]

I did the google search and did not come up with anything new or relevant. Does the EQ Complete Family Plan count toward B*? Where we can pull for both the wife and me?

 

Thanks!

Edited June 21, 2012 by ugghh

[ctb89]

I did the google search and did not come up with anything new or relevant. Does the EQ Complete Family Plan count toward B*? Where we can pull for both the wife and me?

 

Thanks!

Yes, it will but be careful...EQC is suspected to get people on the C* block. If you're not sure, pull with USAA for 3 months and see if you get B*.

[BobWang]

Please confirm that you can actually pull a new report every day.

 

When I see the weasel words "Unlimited Access", sirens go off:

 

http://www.equifax.c...roduct-spec.pdf

[ugghh]

I did the google search and did not come up with anything new or relevant. Does the EQ Complete Family Plan count toward B*? Where we can pull for both the wife and me?

 

Thanks!

Yes, it will but be careful...EQC is suspected to get people on the C* block. If you're not sure, pull with USAA for 3 months and see if you get B*.

 

thanks for the concern on C* but I have been on that list for at least a year

 

I have always had mine and my wifes separately and it has been a huge pain when a report gets stuck and I would have to get the wife to call EQ customer service. Our EQ's have been clear for a while but have recently app'd for a discover and want to clear the inquiry before we apply for our mortgage. Just wondering if this will help with me calling even if it is for her report. Gotta try something new!

[ugghh]

Please confirm that you can actually pull a new report every day.

 

When I see the weasel words "Unlimited Access", sirens go off:

 

http://www.equifax.c...roduct-spec.pdf

 

If that is for me, I will confirm tomorrow as I am activating now and will pull the first report today.

[ugghh]

sure wish there was something other than EQ Complete (I already have MPM & CCMP). It always takes me at least 10 minutes to get the new report.

 

Don't have an AE so SC is out

[sb913594]

Well I'm all clear (save 3 inquiries from a few weeks ago, as well as recent mortgage inquiries, well, and my stickies). Leaves me with seven :-/, but not worth all this effort for another month. In other news, myfico scorewatch jumped to 696 (from 663 on 4/19, and 684 on 6/11).

 

Thanks all

[BDK]

Well I'm all clear (save 3 inquiries from a few weeks ago, as well as recent mortgage inquiries, well, and my stickies). Leaves me with seven :-/, but not worth all this effort for another month. In other news, myfico scorewatch jumped to 696 (from 663 on 4/19, and 684 on 6/11).

 

Thanks all

 

I'd say a 33 point jump pretty worth while, CONGRATS!