Jump to content




Welcome to CreditBoards!


Sign In 

Create Account
Welcome to CreditBoards! Like most online communities, you must register to post in our community, but don't worry - this is a simple process requiring minimal information for you to sign up. Be a part of CreditBoards by signing in or creating an account.
  • Start new topics and reply to others
  • Subscribe to topics to get email updates
  • Get your own profile page and make new friends
  • Send personal messages to other members.
 
Guest Message by DevFuse

Read These Items!

  • If you're getting an Authentication mismatch error: Clear your cache. Log out of CB. Delete your cookie. Close your browser. Open your browser and log back in.

Photo

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


  • Please log in to reply
3926 replies to this topic

#26 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 22 March 2010 - 12:41 PM

I THINK I WAS CHOPPED ON SUNDAY.

I began twice daily pulling on the first of this month (CCT and MPM). I was pulling MOST days last month with CCT (My MPM credentials arrived on the first of this month). I pulled both CCT and MPM on Saturday and noticed B* -- two hards were gone on EQ (both were dated in mid April 2008, so it didn't help me too much) then on Sunday another hard (FROM mAY 2008) was gone after the first pull. Nothing after the second pull (the pulls were about 12 hours apart, since I forgot to pull MPM right at the 24-hour mark). On my CCT this morning, again, no B*. So I think I was probably chopped at some point on Sunday (since I don't recall any softs that would have come in the way of a hard B*).

Yes, Jaymes, the Saturday Night Massacre left few survivors.



#27 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 22 March 2010 - 12:48 PM

Posted Image

#28 Jaymes

Jaymes
  • Members
  • 2,177 posts

Posted 22 March 2010 - 12:51 PM

Ughh!!!! Well, at least March is a 31-day month. I may just skip MPM tonight and get back on track with morning pulls on both. At least I know I'm on the right track, so maybe around the 12th of April I'll see B* again. Thing is, I only have 4 more EQ hards... one from the summer of 08, one from 09, but two back-to-back hards in January that I would LOVE to get rid of (or even just the one I got declined for).

Thanks Bob.

#29 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 22 March 2010 - 12:55 PM

Ughh!!!! Well, at least March is a 31-day month. I may just skip MPM tonight and get back on track with morning pulls on both. At least I know I'm on the right track, so maybe around the 12th of April I'll see B* again. Thing is, I only have 4 more EQ hards... one from the summer of 08, one from 09, but two back-to-back hards in January that I would LOVE to get rid of (or even just the one I got declined for).

Thanks Bob.

Keep in mind that April 16th may be the next Chop Date.

#30 CIO

CIO

    Bump Influence II

  • Members
  • 3,268 posts

Posted 22 March 2010 - 03:20 PM

If only I'd used daily pullers through the first 9 months of the prior two years and kept back door EQ copies, but I didn't. Seems I always get interested in B* around October-ish each year.

Glad to see others can fill in the blanks for all of us. Great work.

#31 Karen_

Karen_

    Bump Influence Princess

  • Members
  • 980 posts

Posted 22 March 2010 - 09:09 PM

6/19 report: Truelink 06/19/2008 06/18/2008 06/17/2008 06/16/2008 06/14/2008 06/13/2008 06/12/2008 06/11/2008 06/10/2008 06/09/2008 06/08/2008 06/06/2008 06/05/2008 06/04/2008 06/03/2008 06/02/2008 06/01/2008 05/31/2008 05/30/2008 05/29/2008 05/28/2008 05/27/2008 05/24/2008 04/30/2008 03/31/2008 10/18/2007
6/23 report: Truelink 06/23/2008 06/21/2008 05/31/2008 04/30/2008 03/31/2008 10/18/2007

May 2008 C* was on the 23rd (found this in a monster thread over at fatwallet.)

EDIT: It could happen earlier since some users were chopped on the 17th.

Edited by Karen_, 22 March 2010 - 09:15 PM.


#32 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 22 March 2010 - 09:29 PM

6/19 report: Truelink 06/19/2008 06/18/2008 06/17/2008 06/16/2008 06/14/2008 06/13/2008 06/12/2008 06/11/2008 06/10/2008 06/09/2008 06/08/2008 06/06/2008 06/05/2008 06/04/2008 06/03/2008 06/02/2008 06/01/2008 05/31/2008 05/30/2008 05/29/2008 05/28/2008 05/27/2008 05/24/2008 04/30/2008 03/31/2008 10/18/2007
6/23 report: Truelink 06/23/2008 06/21/2008 05/31/2008 04/30/2008 03/31/2008 10/18/2007

May 2008 C* was on the 23rd (found this in a monster thread over at fatwallet.)

EDIT: It could happen earlier since some users were chopped on the 17th.

Thanks, Karen, we'll go with the earlier 17th for May.

#33 jackcrawfish

jackcrawfish
  • Members
  • 41 posts

Posted 22 March 2010 - 10:32 PM

My 4/24/2009 choppage image.

I misposted the wrong image earlier in this thread. Sorry, guys.

Posted Image

#34 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 22 March 2010 - 10:40 PM

My 4/24/2009 choppage image.

I misposted the wrong image earlier in this thread. Sorry, guys.

You've been VERY helpful, Jack.
It's very interesting that there is a week spread between earliest and latest chops for some months.
16th to 18th seem to be a common pattern.
However, it felt like I was being chopped around the 25th even though I can only document dates around the 17th.
Bob

#35 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 10:44 AM

Posted Image

#36 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 12:42 PM

jackcrawfish pointed out an error in the previous version.
Corrected version:

Posted Image

#37 Karen_

Karen_

    Bump Influence Princess

  • Members
  • 980 posts

Posted 23 March 2010 - 02:43 PM

TrueCredit/VERTRUE 10/23/09, 10/22/09, 10/21/09, 10/20/09, 10/19/09, 10/15/09, 10/14/09, 10/13/09, 10/12/09, 10/11/09, 10/09/09, 10/08/09, 10/07/09, 10/06/09, 10/05/09, 10/03/09, 10/02/09, 10/01/09, 09/30/09, 09/29/09, 09/28/09, 09/27/09, 08/31/09

September 2009 C* was on the 26th.

#38 jackcrawfish

jackcrawfish
  • Members
  • 41 posts

Posted 23 March 2010 - 02:49 PM

TrueCredit/VERTRUE 10/23/09, 10/22/09, 10/21/09, 10/20/09, 10/19/09, 10/15/09, 10/14/09, 10/13/09, 10/12/09, 10/11/09, 10/09/09, 10/08/09, 10/07/09, 10/06/09, 10/05/09, 10/03/09, 10/02/09, 10/01/09, 09/30/09, 09/29/09, 09/28/09, 09/27/09, 08/31/09

September 2009 C* was on the 26th.

I hope you are wrong.
We (ie, BobWang) had a nice pattern until you showed up.....
Nothing personal.... just saying.
Might you have one copy of a report from EQ in the range of 9/01/09 to 9/26/09 showing softs?
Please understand....

(Trust but verify)

edit: FULL DISCLOSURE
I do not have evidence to support my posted choppage dates.
That is to say I cannot show softs in the days/weeks prior to my purported chop dates.

Edited by jackcrawfish, 23 March 2010 - 02:51 PM.


#39 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 02:51 PM

TrueCredit/VERTRUE 10/23/09, 10/22/09, 10/21/09, 10/20/09, 10/19/09, 10/15/09, 10/14/09, 10/13/09, 10/12/09, 10/11/09, 10/09/09, 10/08/09, 10/07/09, 10/06/09, 10/05/09, 10/03/09, 10/02/09, 10/01/09, 09/30/09, 09/29/09, 09/28/09, 09/27/09, 08/31/09

September 2009 C* was on the 26th.

Keep digging, Karen! :angry:

#40 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 02:53 PM

TrueCredit/VERTRUE 10/23/09, 10/22/09, 10/21/09, 10/20/09, 10/19/09, 10/15/09, 10/14/09, 10/13/09, 10/12/09, 10/11/09, 10/09/09, 10/08/09, 10/07/09, 10/06/09, 10/05/09, 10/03/09, 10/02/09, 10/01/09, 09/30/09, 09/29/09, 09/28/09, 09/27/09, 08/31/09

September 2009 C* was on the 26th.

I hope you are wrong.
We (ie, BobWang) had a nice pattern until you showed up.....
Nothing personal.... just saying.
Might you have one copy of a report from EQ in the range of 9/01/09 to 9/26/09 showing softs?
Please understand....

(Trust but verify)

edit: FULL DISCLOSURE
I do not have evidence to support my posted choppage dates.
That is to say I cannot show softs in the days/weeks prior to my purported chop dates.

This is a collaborative project, and we welcome all contributors. :angry:

We already have a documented range of 18, 19 & 20 for March 2010.
There may be quite a bit of variation in the chop dates.

Keep 'em coming boys and girls. :lol:

#41 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 03:01 PM

Posted Image

#42 CIO

CIO

    Bump Influence II

  • Members
  • 3,268 posts

Posted 23 March 2010 - 03:56 PM

Posted Image


I looked back at Jan through Feb 2009 in my saved EQ back door reports.

EQ C*'d me 2x in that span:

1.) Between my only two reports....Jan 3rd '09 and Feb 4th '09.... was one C* (they C*'d a bunch of my creditexpert soft inqs).

2.) Between a couple of my reports.....Feb 17th '09 and Feb 20th '09 was another C* (they C*'d one Jan 2nd myfico report soft inq...I had no new daily monitoring soft pull inqs in Feb).

Corrected myfico date above: The myfico soft inq C*'d in Feb 17-20th were dated at Jan 2nd, '09. So that makes me think the Jan C* was earlier than Jan 17th....when the 2nd myfico pull soft inq occurred (they only leave one per month, and they left the Jan 17th soft in the 2nd C* above that occurred between Feb 17th - 20th).

This is all confusing when I typed it out, and I've tried to correct it somewhat. Sorry. :lol:

In summary:

C*'d between Jan 3rd and Jan 17th, 2009
C*'d between Feb 17th and Feb 20th, 2009

That's as tight as I can get it.

Edited by TangMeister, 23 March 2010 - 04:15 PM.


#43 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 04:16 PM

I'm going to need help with notation here.
Does the earlier than, < , symbol capture the essence of your Jan, Feb, 2009 reports, Dr. Tang?
Is it possible there was no C* in Jan, 2009?

Posted Image

#44 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 04:17 PM

Posted Image


I looked back at Jan through Feb 2009 in my saved EQ back door reports.

EQ C*'d me 2x in that span:

1.) Between my only two reports....Jan 3rd '09 and Feb 4th '09.... was one C* (they C*'d a bunch of my creditexpert soft inqs).

2.) Between a couple of my reports.....Feb 17th '09 and Feb 20th '09 was another C* (they C*'d one Jan 2nd myfico report soft inq...I had no new daily monitoring soft pull inqs in Feb).

Corrected myfico date above: The myfico soft inq C*'d in Feb 17-20th were dated at Jan 2nd, '09. So that makes me think the Jan C* was earlier than Jan 17th....when the 2nd myfico pull soft inq occurred (they only leave one per month, and they left the Jan 17th soft in the 2nd C* above that occurred between Feb 17th - 20th).

This is all confusing when I typed it out, and I've tried to correct it somewhat. Sorry. <_<

In summary:

C*'d between Jan 3rd and Jan 17th, 2009
C*'d between Feb 17th and Feb 20th, 2009

That's as tight as I can get it.

Got it, I'm going to change Feb, 2009 to 17-20.

#45 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 04:19 PM

Posted Image

#46 CIO

CIO

    Bump Influence II

  • Members
  • 3,268 posts

Posted 23 March 2010 - 04:29 PM

Posted Image



Thanks Bob. This bugs me, because they're not sticking to a pattern over some of the months, as you would expect in an automated database batch file. I wonder if it's manual and sometimes they forget to run the database batch file on schedule. Or perhaps it's automated and occasionally fails to run some months on schedule, so they have to run it another day. Odd. <_<

Edited by TangMeister, 23 March 2010 - 04:32 PM.


#47 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 05:29 PM

For completeness, my December 17th, 2009 chop.

Posted Image

#48 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 05:53 PM

Posted Image

#49 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 06:56 PM

Posted Image

#50 BobWang

BobWang

    Bump Influence

  • Members
  • 31,753 posts

Posted 23 March 2010 - 07:00 PM

Posted Image




0 user(s) are browsing this forum

0 members, 0 guests, 0 anonymous users



© Copyright 2003 - 2013 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.