The Master Equifax C* Choppage Dates - Work in Progress Thread

[NJDevilsGirl]

Confirmed C* In SC on 6/21.... Back on the wagon! Actually, this time I'm glad for it. Have some hard IQ starting on 6/8 and this helped to clean up the backlog. Will B* Sooner now! (Added 4th puller over the weekend)

EQUIFAX CONSUMER SERVICES: 06/24/12, 06/22/12, 05/30/12, 04/23/12, 03/31/12, 02/25/12 (6) C* Detected!

[L_SON]

Confirmed C* In SC on 6/21.... Back on the wagon! Actually, this time I'm glad for it. Have some hard IQ starting on 6/8 and this helped to clean up the backlog. Will B* Sooner now! (Added 4th puller over the weekend)

EQUIFAX CONSUMER SERVICES: 06/24/12, 06/22/12, 05/30/12, 04/23/12, 03/31/12, 02/25/12 (6) C* Detected!

 

What is the 4th puller you added? A better questions is what 4 pullers are you using?

[SCC]

Experienced my first C*, ouch.

[BobWang]

Experienced my first C*, ouch.

Join the covenant of the faithful.

[junkyour925]

Hey Bob

 

I live in NJ, based on the chart does that mean I should expect C* about July 19th or so?

[Rob G.]

Junk, I live in NJ and experienced my first C* on 6-21, after 5 inq were removed.

[BobWang]

Hey Bob

 

I live in NJ, based on the chart does that mean I should expect C* about July 19th or so?

That's my best guess, but I'm often wrong.

[foeplay]

C* on the 9th.

[BobWang]

C* on the 9th.

foestradamus has a better batting average.

[BDK]

C* on the 9th.

 

Sigh. I wish.

[foeplay]

I'm using reverse psychology because I don't want it to happen on the 9th.

[BDK]

Oh, well in that case, I DON'T WISH it would!

 

[junkyour925]

thanks! I should have plenty-o-softs by July 17th.

 

btw, when they chop how much typically is left behind prior to the chop date? Is all removed prior to the c date or are some softies left behind?

 

The 9th?! You're in CA right? Still, you got major hosed on that one...that date is not even in the range?

Edited July 6, 2012 by junkyour925

[junkyour925]

I'm using reverse psychology because I don't want it to happen on the 9th.

 

mind over matter!

[BobWang]

thanks! I should have plenty-o-softs by July 17th.

 

btw, when they chop how much typically is left behind prior to the chop date? Is all removed prior to the c date or are some softies left behind?

 

The 9th?! You're in CA right? Still, you got major hosed on that one...that date is not even in the range?

C* leaves one pull for each month on your daily pullers.

[junkyour925]

thanks! I should have plenty-o-softs by July 17th.

 

btw, when they chop how much typically is left behind prior to the chop date? Is all removed prior to the c date or are some softies left behind?

 

The 9th?! You're in CA right? Still, you got major hosed on that one...that date is not even in the range?

C* leaves one pull for each month on your daily pullers.

 

mighty generous of them...

 

actually that does help since the hards are back in Feb so I get March (1) April (1) May(1) June(1) July (1) = 5 x 3pullers = 15 bonus softies. It adds up to what I need to make it by mid July. I feel much better now... thanks Bob.

[ctb89]

thanks! I should have plenty-o-softs by July 17th.

 

btw, when they chop how much typically is left behind prior to the chop date? Is all removed prior to the c date or are some softies left behind?

 

The 9th?! You're in CA right? Still, you got major hosed on that one...that date is not even in the range?

C* leaves one pull for each month on your daily pullers.

 

mighty generous of them...

 

actually that does help since the hards are back in Feb so I get March (1) April (1) May(1) June(1) July (1) = 5 x 3pullers = 15 bonus softies. It adds up to what I need to make it by mid July. I feel much better now... thanks Bob.

It depends if your hards are older. Remember, it's FIFO and you have to bump older softs before you start bumping hards.

[junkyour925]

yes thanks for the reminder/tip!

 

I currently have accumulated 83 softs (June 9th - today) since my hards.

 

The 6 hards I am trying to remove are all in February.

 

Assuming I was not C*'d in mid June I presume that some of my hards should start dropping off now, else I am C listed. No?!

[BobWang]

yes thanks for the reminder/tip!

 

I currently have accumulated 83 softs (June 9th - today) since my hards.

 

The 6 hards I am trying to remove are all in February.

 

Assuming I was not C*'d in mid June I presume that some of my hards should start dropping off now, else I am C listed. No?!

If you KNOW you've pulled >85 good softs since the 6 hards,

 

either you're on the C* list, or the hards are "stickies"

[junkyour925]

OK Bob thanks.

I presume that the day after the day you exceed 85 is the day you should see stuff dropping off?

 

If I don't see B* by that date (day after tomorrow) then I'll fire up EC and hammer it home between then and July 15th or thereabouts so I fit in 85 by July 15th or so. My expected C* date is July 19th (NJ) but want to be safe than sorry.

 

I am flying blind now as I do not want to sign up or backdoor EC and risk getting on the list until I know for sure I am already on it.

[BobWang]

The tricky part is that you may have some "sticky" hard inquiries.

 

We are probably looking at a 35 day window for July-August.

 

So, I would wait till you're at 85 + 6 = 91 before adding pullers.

[junkyour925]

yeah next month is much wider than this one.

 

So assuming worst case that all 6 are sticky I will wait a bit longer before traveling down the dark path...I can wait until mid Aug to get my results if I miss it this month I guess

[junkyour925]

...after tomorrow's 3 pulls I'll be at 86 ( + 6 hards) = 92.

 

If by Wed July 11th I don't see any B* I guess I am on the C* list. I should have enough time to signup for EC and cram in a bunch to make it by July 16th/17th...we'll see...exciting!

 

btw, I have a cool spreadsheet that tracks all this stuff including chop windows and auto-tallies to make it easy to track your B* efforts. Keeps me on task...without it I'd be lost. I can share with the group if you'd like....just show me where to put it.

Edited July 9, 2012 by junkyour925

[foeplay]

woot, bumped two off today

[ctb89]

woot, bumped two off today

 

Child's play for a BI.