The Master Equifax & TransUnion B* Bumpage Thread

[myworld2008]

Thanks I think i learned that after reading your posts and other helpful post..

 

And singing your song..USAA should be first daily puller to start with...

 

And I may just stay low for sometime as i don't have any SP right now on EQ just some HPs...

[BobWang]

If you get the discount, USAA-CCMP is cheaper than MPM.

 

If you don't get the discount, you can use MPM, and deal with the 24+1 pull restriction.

[Bump and Grind]

Hello all.

 

I have just started reading about how to B* and i wanted to know what are the 4-5 daily pullers that I need to purchase in order to reach the target of 85 or more soft pulls to get the hard's inqs off my report.

 

I see they are referenced using Abbreviations, however I don't know what they all mean?

 

If someone could please reply with the best 4-5 daily pullers that I need to purchase to start my bumping that would be spectacular!!!

 

Thanks,

[Bump and Grind]

What are the 4-5 daily pullers names?

 

What order should they be pulled in?

 

Thanks?

[BobWang]

I'd suggest reading the site for a couple of weeks before you start B*

[BobWang]

If you're in a rush to do B*,

 

you may be missing more important issues.

[Occam]

Hello all.

 

I have just started reading about how to B* and i wanted to know what are the 4-5 daily pullers that I need to purchase in order to reach the target of 85 or more soft pulls to get the hard's inqs off my report.

 

I see they are referenced using Abbreviations, however I don't know what they all mean?

 

If someone could please reply with the best 4-5 daily pullers that I need to purchase to start my bumping that would be spectacular!!!

 

Thanks,

Read this first:

http://creditboards.com/forums/index.php?showtopic=510711&hl=master

[Bump and Grind]

 

Hello all.

 

I have just started reading about how to B* and i wanted to know what are the 4-5 daily pullers that I need to purchase in order to reach the target of 85 or more soft pulls to get the hard's inqs off my report.

 

I see they are referenced using Abbreviations, however I don't know what they all mean?

 

If someone could please reply with the best 4-5 daily pullers that I need to purchase to start my bumping that would be spectacular!!!

 

Thanks,

Read this first:

http://creditboards.com/forums/index.php?showtopic=510711&hl=master

 

Okay, I read all of the posts from this link in which you directed me to.

 

I have 11 inq's dating back to 12/11. I have 8 Inq's since Jan. 2013 and I want to apply for an Equity loan after I clear up some revolving debt. Currently my Fico is 700, but I want to get it up to 740 or greater before I even think about applying for anything.

 

I also wanted some insight on which credit lines/credit card companies would be the best to apply for after B* the inq's off since only TU, and EQ will actually B* the Inq's off.

 

All the help is very much appreciated!

[BobWang]

Download the spreadsheet in my siggy.

 

Inquiries count for SO LITTLE in the FICO score,

 

that getting rid of them for only that purpose,

 

is not a wise investment of time or money.

[Android01]

Download the spreadsheet in my siggy.

 

Inquiries count for SO LITTLE in the FICO score,

 

that getting rid of them for only that purpose,

 

is not a wise investment of time or money.

+1000. In real life, an inquiry or two doesn't matter. I've B*d a few times, but only because of my OCD regarding every last point I can get from my FICO score. B* costs a lot of money which in the long run, really isn't worth it. Inquiries don't matter much to FICO after 6 months and mean nothing after a year. B* is more of a fun hobby than a real tool. At least for me.

[Bump and Grind]

 

Download the spreadsheet in my siggy.

 

Inquiries count for SO LITTLE in the FICO score,

 

that getting rid of them for only that purpose,

 

is not a wise investment of time or money.

+1000. In real life, an inquiry or two doesn't matter. I've B*d a few times, but only because of my OCD regarding every last point I can get from my FICO score. B* costs a lot of money which in the long run, really isn't worth it. Inquiries don't matter much to FICO after 6 months and mean nothing after a year. B* is more of a fun hobby than a real tool. At least for me.

So basically only B* if you want to achieve a super high 800 score or better? haha.

 

With those scores I'd imagine that you get insta approval for pretty much anything.

 

Well what would be the best/easiest credit card to get approved for with a 0% balance xfer that you would recommend?

 

You guys are truly the Credit score/reporting guru's and this forum is awesome!

[ckvb]

Pulled all my reports and something curious happened (at least to me)

 

MPM - pulled 1st at 24 hours +1 - 6 inq on TU

SCP - pulled 2nd - 6 inq on TU

C$ - pulled 3rd - 5 inq on TU

USAA - pulled 4th - 4 inq on TU

CK - pulled 5th - 3 inq on TU

 

I thought only the SCP pulls led to B*. I'm not complaining just curious

[BobWang]

All PP softs that stick count towards B*

 

SCP & TUP are the only ones that will give you one each day that sticks around.

[agp]

Even though USAA CCMP gives you a report every month, it pulls and saves your scores everyday?

[BobWang]

Even though USAA CCMP gives you a report every month, it pulls and saves your scores everyday?

Only if you have the daily pull version,

 

and pull every day.

[agp]

So for people who have not signed up for USAA, USAA is of no use to us since it is not a daily puller...

[BobWang]

So for people who have not signed up for USAA, USAA is of no use to us since it is not a daily puller...

 

I can't emphasize enough to

 

ONLY use ONE non-Equifax daily puller for 3 months FIRST.

[honey2013]

i finally removed all 10 inquiries off my equifax report, took me approx. 1 month. problem is i still need to remove my experian inquiries is there away to do that?

[BobWang]

No

[animetuc]

I've noticed with TU B * if you get in INQ and then get a Credit KARMA Alert you will get another CK update if you follow the email link, even if it's before the weekly CK update. Is this normative? In other words, I know that I sometimes get at least a temp B* from CK and that happened to me today. Hope this is useful. I am often wont to say "to hell with all of these alerts I already know..." However, It may just be helpful to check CK alerts now that they've become a weekly puller. Also, it's cool that CK will tell u how many "songs" have been removed from your playlist. Hope this helps, or contributes in some small way.

Edited July 6, 2013 by animetuc

[BobWang]

My first response:

 

Dear ---,

 

Thank you for contacting us. To answer your question, we have an Unlimited Premium

membership for $22.94. If you would like for me to get you signed up on the

Unlimited where you can get a fresh report every day, please reply back to this

email and I will be happy to upgrade your membership for you. Thank you for

choosing Credit Check Monitoring for USAA members.

 

After my reply to that, their response:

 

Dear ---,

 

 

I do have a discounted rate of $16.46 for 6 months if you would be interested. If

this is something you want me to put in place for you, please let me know. I

will be happy to upgrade your membership and apply this discount for you.

 

 

Thinking this was their best deal, I said I would agree to an upgrade at their "lowest available price", and then they came back with:

 

 

Dear ---,

 

Thank you for contacting us.

 

 

We set your membership for the unlimited daily pulls per your request. You have

immediate access to these daily pulls but you should not be billed until your

next billing date 8/1/13.

 

 

I was able to get my supervisor to give you 50% off for the next 6 months making

your billing $11.47 per month through 2/1/14.

 

 

Please feel free to contact us if you have any additional questions.

 

 

 

I'll take it.

 

 

 

[zoomerpsu]

I feel like I've been quoted by a celebrity. This is my first attempt at EQ B*.. So just starting out with USAA, and we'll see how this goes for a few months. I suspect I'm already on the chop list because I've backdoord the EQ website more times than I can count. I managed to get rid of all my TU inqs with SCP alone.

[lucky4]

 

And THAT's even better, a HUGE gold star!!!

 

Wow, from Bob of all people! I am going to print that out and frame it. Thanks !!!

 

Just a little update on my first serious attempt to B* on EQ....

 

I have B*ed all 19 of my EQ inquiries this month and I still have plenty of time to cancel before my 4 pullers renew. I will keep USAA because I like the service and it's more than a 50% discount to AMEX CS for the same exact service. MPM is annoying (I hate the interface, the display, and functionality) and I'm rather glad to dump it. EC I can use a free trial if I ever need it again.

 

For TU, I have only 1 inquiry left, but I can't imagine cancelling SC and losing the $9.95 pricing tier.

 

Thanks to all the B* experts for the tutorials and guidance.

[krisg88]

so just have one question after a few hours of reading...im talking strictly about TU...if the magic number for one month is still 56, and only two pullers work, SC and TUP...you will need both to achieve b*?

 

asking because i have seen people mention achieving B* with just SC and its confusing me, how would they do that in one month with magic number being 56 pulls?

[robert217]

so just have one question after a few hours of reading...im talking strictly about TU...if the magic number for one month is still 56, and only two pullers work, SC and TUP...you will need both to achieve b*?

 

asking because i have seen people mention achieving B* with just SC and its confusing me, how would they do that in one month with magic number being 56 pulls?

TU don't C

 

I should make that into a song!!