B* reference guide

[creditmonitor2010]

 

How many days does it take to get the number by calling?

 

If you would rather not call, simply go to myprivacymatters.com, click forgot ID, click contact us, and send them a message requesting the ID.

[iWhat]

It's about 3 days to get your member number... They are slow

[Menta33]

Does National City ID Patrol (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

[BobWang]

Does National City ID Patrolrotection (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

NCIDP is no longer a daily puller for new members.

[BDK]

Does National City ID Patrolrotection (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

NCIDP is no longer a daily puller for new members.

 

Hey Bob, maybe you could sign us up as AU and we could try for backdating?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

[BW1216]

Does National City ID Patrolrotection (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

NCIDP is no longer a daily puller for new members.

 

Hey Bob, maybe you could sign us up as AU and we could try for backdating?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Haha, blatant.

 

 

[MadMax81]

This is a very basic reference guide. It does not include or answer everything. There are unknown exceptions and secret rules.

 

WARNING

Anything you do with EQ below can put you on EQ C* list, and that is not a place you want to be. It is suspected that signing up for more than one daily puller, checking the EQ backdoor too often, or signing up for EQ products like EC will put you on EQ C* list.

 

EQ B*

The magic number is 85

85 days if not on C* list and pulling daily with 1 daily puller.

28 days if after latest C* pulling daily with 3 pullers.

 

Choose from

My Privacy Matters (MPM)

Equifax Complete (EC)

USAA Credit Check Monitoring Premium (USAA-CCMP)

Credit Secure (CS)

 

TU B*

The magic number is 63

65 days if pulling Smart Credit Premium (SC) daily, due to 2 day TU delay.

 

 

How do I sign up for

MPM

Includes free 30 day trial

One person https://www.programe...1.asp?ID=767364

Two people https://www.programe...1.asp?ID=767365

 

EC

Limited time free 30 day trial

http://equifax.com/free30daytrial/

Regular sign up

http://www.equifax.c...oring-3-scores/

 

USAA-CCMP (anyone can join USAA)

https://www.usaa.com...monitoring_main

 

CS (must have an Amex card that logs into americanexpress.com)

https://www152.ameri...av_CreditSecure

 

SC

https://www.smartcre...gnup/signup.htm

Read this if you want a free 30 day trial and more http://creditboards....howtopic=448596

 

How do I check my reports whenever I want

EQ

https://www.ai.equif...spute_Login.jsp

 

TU

https://annualcredit...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

Other notes

TU reinsertion and C* seems to happen once a year around April. EQ reinsertion does not happen but EQ C* usually happens monthly. Any of this can change. It is all current today. Avoid CCT, they have ripped off many here by charging more than they promised, you've been warned.

 

Updated 10/19/2010

 

 

I am pretty new at this I have one pretty stupid question. How would you knowthat your pulls have reached 85? To make sure you are not being C*.

[bigperm0107]

This is a very basic reference guide. It does not include or answer everything. There are unknown exceptions and secret rules.

 

WARNING

Anything you do with EQ below can put you on EQ C* list, and that is not a place you want to be. It is suspected that signing up for more than one daily puller, checking the EQ backdoor too often, or signing up for EQ products like EC will put you on EQ C* list.

 

EQ B*

The magic number is 85

85 days if not on C* list and pulling daily with 1 daily puller.

28 days if after latest C* pulling daily with 3 pullers.

 

Choose from

My Privacy Matters (MPM)

Equifax Complete (EC)

USAA Credit Check Monitoring Premium (USAA-CCMP)

Credit Secure (CS)

 

TU B*

The magic number is 63

65 days if pulling Smart Credit Premium (SC) daily, due to 2 day TU delay.

 

 

How do I sign up for

MPM

Includes free 30 day trial

One person https://www.programe...1.asp?ID=767364

Two people https://www.programe...1.asp?ID=767365

 

EC

Limited time free 30 day trial

http://equifax.com/free30daytrial/

Regular sign up

http://www.equifax.c...oring-3-scores/

 

USAA-CCMP (anyone can join USAA)

https://www.usaa.com...monitoring_main

 

CS (must have an Amex card that logs into americanexpress.com)

https://www152.ameri...av_CreditSecure

 

SC

https://www.smartcre...gnup/signup.htm

Read this if you want a free 30 day trial and more http://creditboards....howtopic=448596

 

How do I check my reports whenever I want

EQ

https://www.ai.equif...spute_Login.jsp

 

TU

https://annualcredit...atedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

Other notes

TU reinsertion and C* seems to happen once a year around April. EQ reinsertion does not happen but EQ C* usually happens monthly. Any of this can change. It is all current today. Avoid CCT, they have ripped off many here by charging more than they promised, you've been warned.

 

Updated 10/19/2010

 

 

I am pretty new at this I have one pretty stupid question. How would you knowthat your pulls have reached 85? To make sure you are not being C*.

 

 

If you pull from the EQ monitoring service you can go to the inquiry section and see your inquiries. You would then copy and paste the soft inquiries into the B* counter in the sticky portion of the credit section. I hope that this helps you out.

[r2-d2]

Do CCT and USAA-CCMP still count as two different pulls or have they been merged? Some threads say yes and others no. Just wanted to confirm before cancelling CCT as I have a discounted rate. TIA!

[scwam]

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)

[losartworks]

We have believed that 98% of the time if you pull dry on the EX/EQ on MPM and they only give you a TU, it's because you didn't wait a full 24 hours and 1 minute. I play it safe and add 5 minutes using the same clock on my computer and have never had the dry pull since.

[MadMax81]

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)

 

 

Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.

[scwam]

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)

 

 

Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.

 

Yes they C* my crotch monthly. I've already been on the list because possibly I had Equifax service 2 years ago and did back door pulls, thinking nothing of it at that time.

[iWhat]

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)

 

 

Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.

 

Yes they C* my crotch monthly. I've already been on the list because possibly I had Equifax service 2 years ago and did back door pulls, thinking nothing of it at that time.

 

I think we all did that

[BW1216]

Do CCT and USAA-CCMP still count as two different pulls or have they been merged? Some threads say yes and others no. Just wanted to confirm before cancelling CCT as I have a discounted rate. TIA!

 

Confirmed the same. They will both show as Credit Expert. Cancel away.

[scwam]

I am about to start B. next week. So if I get 90 pulls before the c. I will have 5 inq removed right?

[coolguy100]

national city Identity Protect is a daily puller. I am not sure if it is daily puller only for grandfathered customers though.

[visorboy1974]

national city Identity Protect is a daily puller. I am not sure if it is daily puller only for grandfathered customers though.

 

Yes, it's grandfathered. No newbies are able to get the daily pulls.

[r2-d2]

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!

[visorboy1974]

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!

 

It works.

[r2-d2]

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!

 

It works.

 

Hmm, any ideas/suggestions from the experts as to why my softs aren't counting for TU? I pull a backdoor report once a week and both last and this week show a count of 49. I can post my inq's if that would help.

[visorboy1974]

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!

 

It works.

 

Hmm, any ideas/suggestions from the experts as to why my softs aren't counting for TU? I pull a backdoor report once a week and both last and this week show a count of 49. I can post my inq's if that would help.

They're counting, but you have to understand that the TU backdoor only has a month/year of the soft pulls. I found the counter to be an estimate, but not quite as exact as the EQ counter. You just need to be patient. They'll fall off.

[BW1216]

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!

 

It works.

 

+1, got another TU inq to drop today.

[wanabe]

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)

 

 

Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.

 

Yes they C* my crotch monthly. I've already been on the list because possibly I had Equifax service 2 years ago and did back door pulls, thinking nothing of it at that time.

 

I think we all did that

 

I did about 5 years ago, but quickly stopped and never looked back.

No C for me.

[andydallas]

when I pull MPM I show 6 hards on EQ, when I pull an report from EQ it shows 8,,,both started out at 12,,,whats the difference? (I have a lot of mortgage pulls),,