The Master Equifax & TransUnion B* Bumpage Thread

[Mr. Media]

The First Rule About FC...

 

And there has been SO MANY violations of that rule, causing the demise of almost all of FC...

 

I see... can someone hit me with a DM so I know what I'm missing here? Or the lack of FC something I should be happy about??

[BobWang]

To date, there are 11 dead FCs.

[BDK]

The First Rule About FC...

 

And there has been SO MANY violations of that rule, causing the demise of almost all of FC...

 

I see... can someone hit me with a DM so I know what I'm missing here? Or the lack of FC something I should be happy about??

 

Just a bunch of old, rusty, burned out relics laying around. Not a pleasant sight.

[road2freedom]

To date, there are 11 dead FCs.

 

[Mr. Media]

To date, there are 11 dead FCs.

 

Okay, I see now. lol

 

U guyz are funny

[tifozi]

Yay!!

 

Inquiries in the Last 2 Years - 0
Most Recent Inquiry - N/A

 

For me these two definitely counted, although it shows up as unconfirmed in auto counter.

 

FIRST ADVANTAGE CREDCO: 05/20/12 (1)

FIRST ADVANTAGE CREDCO/: 05/16/12 (1)

[tifozi]

Well this is bizarre. Just signed up for myFico SW alert free trial to see the impact of removal of 2 INQs and score is down by 5 points WTF?

[syncracirca]

I've had a GREAT run this past month! Went from 13 inquiries down to 2. Here are my stickies:

 

CREDCO AUTOMOTIVE:: 05/12/12

REALPAGE, INC :: 10/31/11

Edited July 15, 2012 by syncracirca

[CoderBlix]

Ugh!!! I have credco on my report as well and it didn't fall off...is it always sticky??? Any idea what makes one hard sticky and another not?

[cputrwz]

The First Rule About FC...

 

And there has been SO MANY violations of that rule, causing the demise of almost all of FC...

 

I see... can someone hit me with a DM so I know what I'm missing here? Or the lack of FC something I should be happy about??

 

Just a bunch of old, rusty, burned out relics laying around. Not a pleasant sight.

 

Yes, this weighs on my heart heavily... I think I may need therapy

[BDK]

The First Rule About FC...

 

And there has been SO MANY violations of that rule, causing the demise of almost all of FC...

 

I see... can someone hit me with a DM so I know what I'm missing here? Or the lack of FC something I should be happy about??

 

Just a bunch of old, rusty, burned out relics laying around. Not a pleasant sight.

 

Yes, this weighs on my heart heavily... I think I may need therapy

 

PTSD.

[foeplay]

Well this is bizarre. Just signed up for myFico SW alert free trial to see the impact of removal of 2 INQs and score is down by 5 points WTF?

[tifozi]

LMAO foeplay. I think this is a more apt pic for me

 

[ctb89]

Well this is bizarre. Just signed up for myFico SW alert free trial to see the impact of removal of 2 INQs and score is down by 5 points WTF?

Did both scores come from SW? (Or at least Beacon 5.0 scores?)

[tifozi]

Well this is bizarre. Just signed up for myFico SW alert free trial to see the impact of removal of 2 INQs and score is down by 5 points WTF?

Did both scores come from SW? (Or at least Beacon 5.0 scores?)

 

797 - DCU (Beacon 5.0) June 29th.

 

792 - ScoreWatch. Not sure if this is also Beacon 5.0 but I think it is. None of other factors have changed. It is exactly same report minus the two INQs. One of the INQs was a non-factor though, it was scheduled to fall of later in November.

[CoderBlix]

Is this the predicted EQ chop week? I know Bob W posted something a while back with dates that I cannot seem to find.....

[Mr. Media]

Two more hards knocked off me tonight at EQ. I have six stickies total, so I'm really hoping to purge all the rest.

[muss08]

Is this the predicted EQ chop week? I know Bob W posted something a while back with dates that I cannot seem to find.....

 

Unfortunately, yes. This is C* week

[BDK]

Is this the predicted EQ chop week? I know Bob W posted something a while back with dates that I cannot seem to find.....

 

Unfortunately, yes. This is C* week

 

Well, VERY likely anyways. We'll all know for sure by 1 am Tues.

[syncracirca]

Is TU B* worth working on? What if I'm really committed....say I want to be inquiry free within 5 months. How many times can I expect the same inquiries to be reinserted?

[BDK]

Is TU B* worth working on? What if I'm really committed....say I want to be inquiry free within 5 months. How many times can I expect the same inquiries to be reinserted?

 

Yes it is. And don't worry about reinsertion unless it happens to you.

[syncracirca]

Is TU B* worth working on? What if I'm really committed....say I want to be inquiry free within 5 months. How many times can I expect the same inquiries to be reinserted?

 

Yes it is. And don't worry about reinsertion unless it happens to you.

 

Thanks! I'm going to cancel my EQ pullers and start on TU

[CoderBlix]

Well this is bizarre. Just signed up for myFico SW alert free trial to see the impact of removal of 2 INQs and score is down by 5 points WTF?

Did both scores come from SW? (Or at least Beacon 5.0 scores?)

 

797 - DCU (Beacon 5.0) June 29th.

 

792 - ScoreWatch. Not sure if this is also Beacon 5.0 but I think it is. None of other factors have changed. It is exactly same report minus the two INQs. One of the INQs was a non-factor though, it was scheduled to fall of later in November.

 

Same thing happened to me as well. Bumped 5 INQs the last few days and myfico eq fico dropped 5 points...no other changes

[Mr. Media]

Same thing happened to me as well. Bumped 5 INQs the last few days and myfico eq fico dropped 5 points...no other changes

 

I'm not gonna hit MyFico until after C* -- but I'll be curious to see what it looks like. I've had inqs weighing me down since March and finally was able to dedicate a month to getting it done.

[BobWang]

One of the reasons for the lower FICOs when people hit 0 inquiries,

 

is that you've probably been re-bucketed.

 

It's still better to be in a better bucket for long-term purposes, because the initial drop will turn into a gain in a few months.