The Monster TransUnion Bumpage TU B* Master Thread

[Alexa530]

smart credit premium do not give me unlimmited pull.they give me 4 pulls each time i call in to reset,and they told me they can only give me 12 pulls max each month.is this true?

 

 

I sent them a email last weekend, and when they responded, they reset my counter to 30. When I have called in the past, they gave me 8, or 4. So definitely try the email( don't wait until you are out of pulls, because it may take them a day or two to respond).

[BobWang]

they reset my counter to 30

That's almost enough to make me sign up.

 

But my only TU inquiry falls off in 5 days.

[Repairerer]

They reset mine to 18 last time. They are becoming slightly less ridiculous.

[BobWang]

They reset mine to 18 last time. They are becoming slightly less ridiculous.

I'm gonna have to go on a TU spree.

[mike82fl]

funny thing is when i called to cancel (b* success), after processing the cancellation they said they were going to go ahead and give me enough pulls to last the rest of the month of my order.

 

i also want to point out that if you cancel, and log back in, it automatically reenrolls you. i deleted the bookmark i had saved just so i wouldn't inadvertently login again and reactivate without thinking.

[BobWang]

Good to know.

[BobWang]

A reminder to those who are asking, ONLY SCP has been reliably shown to work for TU B*

[Abubacus]

A reminder to those who are asking, ONLY SCP has been reliably shown to work for TU B*

 

So is TU easier to B* now than EQ?

 

May take 2 months but no worries of C*. Planning an app spree and want to know what lenders to focus on.

Edited March 6, 2012 by Abubacus

[BobWang]

Yes, TU is going to be easier.

 

Some have reported success even without SCP, but those are rare.

[road2freedom]

It's a bit of a trade-off...

 

TU - less reliable B* options but no C*. There is the dreaded reinsertion but it's not definite. So depending on your hards/softs it could take a while.

 

EQ - more reliable B* options and C* for many. With 4-5 pullers you can be inquiry free in a month.

 

In my case, I'm working on EQ and TU. I have 4 daily pullers for EQ and 1 for TU (maybe 2 if I count CK, which does seem to stick). At this pace my TU still won't be clear until about 2-3 days after my EQ. This is of course assuming the double C* doesn't pop up again and that TU doesn't reinsert this April.

[BobWang]

[1234]

Bob how can put this diagram up with out any directions?

Edited March 6, 2012 by 1234

[BobWang]

It's intuitively obvious.

[RAguy]

Im seeing TU B* using USAA, EC, and MPM. Knocked off 2 from yesterday.

 

 

[BobWang]

[fusioncredit]

Im seeing TU B* using USAA, EC, and MPM. Knocked off 2 from yesterday.

 

 

 

Same here

[bsas]

Hi,

 

I have USAA, CK, MPM and TC. I also make some random pulls at CreditCards.com.

I pull it every day, and I am doing it for the last 3 months, and I never saw ANY B* form my TU.

 

Using just USAA and EQ Complete Advantage and I've successfully B* ALL my EQ inquiries. Unfortunately my EQ CA doesn't pull from TU (it should?).

But, I never saw ANY B* on TU, never!

 

One small issue is that I've submitted an inquiries dispute in JAN/12 to TU and they added a "Fraud Alert" on my report that will live up to the end of APR/12.

 

So, my questions are:

1) The "Fraud Alert" will affect B*?

2) That combination of pullers should work? If not, what puller should I get?

 

Thanks!

 

P.S.: I am pulling daily since before the "Fraud Alert".

[wdwslr85]

I'm starting off TU bumpage with SC(been pulling creditkarma daily for almost 2 months I think) I just BD to find out how many softs I have to start. Would someone be so kinda as to analyze for me?

 

CONSUMERINFO via CONSUMER INFO.COM

Requested On:

04/08/2012, 04/05/2012

 

 

 

T S via KARMA/TRANSUNION INTERAC

 

Requested On:

04/08/2012, 04/08/2012, 04/08/2012, 04/08/2012, 04/06/2012

 

 

name via PATHWAY DATA INC

Requested On:

04/08/2012, 04/06/2012

 

 

PATHWAY DATA INC

Requested On:

04/06/2012

 

 

INTERSECTIONS C1M3

Requested On:

03/31/2012

 

 

DISCOVER FINCL SVC LLC

Requested On:

03/18/2012

 

 

EQUIFAX CONSUMER SERVICE

Requested On:

03/09/2012, 02/26/2012, 02/25/2012

 

 

TRANSUNION INTERACTIVE

Requested On:

03/09/2012, 02/26/2012, 02/25/2012, 02/15/2012

 

 

CAPITAL ONE BANK USA NA

Requested On:

03/01/2012

 

 

SPRINGLEAF FINANCIAL SER

Requested On:

03/01/2012

 

 

DIRECT TO CONSUMER via INTERSECTIONS, INC

Requested On:

02/29/2012, 10/02/2011, 01/07/2011

 

 

 

WELLS FARGO CORP CON CR

Requested On:

02/28/2012

 

 

DIR TO CONS VIA EQUIFAX

Requested On:

02/19/2012

 

 

MARINE CU

Requested On:

01/15/2012

 

FIA CSNA

Requested On:

01/01/2012

 

 

PREMIER BANK CARD - POST

Requested On:

01/01/2012

 

 

LENDING CLUB CORPORATION

Requested On:

12/22/2011

 

 

Name via TRANSUNION INTERACTIVE I

Requested On:

11/18/2011

 

 

ALLSTATE

Requested On:

11/06/2011

 

INTERSECTIONS

Requested On:

11/04/2011, 10/28/2011, 10/18/2011, 02/26/2011, 01/28/2011, 01/22/2011

 

 

name via TRANSUNION INTERACTIVE

Requested On:

11/04/2011

 

 

TRANSUNION INTERACTIVE I

Requested On:

11/04/2011, 10/28/2011, 10/18/2011

 

 

TU INTERACTIVE

Requested On:

11/04/2011, 09/26/2011

 

 

PREMIER BANK CARD - POST

Requested On:

10/01/2011

 

FACTACT FREE DISCLOSURE

Requested On:

07/09/2011

 

 

TU INTERACTIVE

Requested On:

07/09/2011

 

 

AFFINION - PRIVACYGU via CREDCO

Requested On:

04/07/2011

 

 

DIR TO CONS VIA EQUIFAX

Requested On:

04/06/2011

 

TERI

Requested On:

04/01/2011

 

 

CHASE BANK DEPOSIT PRODU

Requested On:

10/13/2010

 

 

CREDIT INFONET INC. via CREDIT INFONET

Requested On:

06/14/2010

 

 

 

Much appreciated!

[wdwslr85]

bump

[road2freedom]

Which of the softs have a "permissible purpose" listed?

[wdwslr85]

Which of the softs have a "permissible purpose" listed?

 

I deleted the permissible purposes, but I have them listed in a word doc with the pulls. Should I count only those with a permissible purpose?

 

edit: If counting only permissible and allowing multiple pulls under the same puller and permissible purpose, I have 23 softs I guess. Is that the right way to go about it?

Edited April 9, 2012 by wdwslr85

[pakman]

I'm a daily puller for USAA CCMP and Credit Karma (for a bout a month). After reading this thread, I pulled TU CR to see where I am. I'm sad to see that very few Credit Karma have stuck and USAA (creditexperts i think it should report as?) pulls did not stick at all.

 

Over time, will enough stick to get bumpage? Or am I out of luck.

[road2freedom]

USAA CCMP won't help with TU. CK helps very little. If you want to B* on TU, sign up for Smart Credit Premium ($30/mo). It may not be worth it to some, depending on their credit aspirations and goals. For me it took 47 days (two months subscribed) to clear 10 inquiries.

 

If you just rely on CK you are more likely to seem them fall off after 2 years as opposed to actually B*.

[road2freedom]

Which of the softs have a "permissible purpose" listed?

 

I deleted the permissible purposes, but I have them listed in a word doc with the pulls. Should I count only those with a permissible purpose?

 

edit: If counting only permissible and allowing multiple pulls under the same puller and permissible purpose, I have 23 softs I guess. Is that the right way to go about it?

 

Yes, only count those with a permissible purpose. And yes that's how you would count them. Feel free to paste them here if you want someone else to take a look.

[pakman]

USAA CCMP won't help with TU. CK helps very little. If you want to B* on TU, sign up for Smart Credit Premium ($30/mo). It may not be worth it to some, depending on their credit aspirations and goals. For me it took 47 days (two months subscribed) to clear 10 inquiries.

 

If you just rely on CK you are more likely to seem them fall off after 2 years as opposed to actually B*.

 

Will SCP pulls work for EQ b* also?

Edited April 16, 2012 by pakman