Edited by timecoloured, 10 April 2010 - 04:55 PM.
Equifax C* Choppage Dates - Work in Progress
#76
Posted 10 April 2010 - 04:48 PM
#77
Posted 10 April 2010 - 04:56 PM
Thanks for confirming 6exempt, tc.I posted my pull in another thread, but it seems more useful for the record here, I appear to have been C*d on 4/8.
April 8 will go in the record.
#78
Posted 10 April 2010 - 05:02 PM
jds:Bob - Can you post a copy of the spreadsheet with a asterisk (or something) next to the dates that were verified by you (as in your own report)?
The only dates that come from my own reports are these:
Jun 19 2008
Jul 17 2008
Oct 18 2008
Nov 00 2008 (No chop)
Oct 16 2009 and on
I think we have a pattern there....
C* occurs after 2 to 3 weeks after previous c* or first day of the month(?), and for the month without C*, EQ was probably going through something., ie, annual system upgrade, data relocation/ backup, etc.
We need to verify whether we had C* or not in January.
#79
Posted 10 April 2010 - 05:42 PM
I seem to be getting B* today.
I will complete a definitive check once I am able to B* all my INQs on EQ. I am currently going at a rate of 5-6 SOFT a day by utilizing CCT + EIT MPM + USAA + 1-2 FREE trials/day.
I will report back in a couple of days.
Thanks!
#80
Posted 10 April 2010 - 05:45 PM
Yowza!Hmm, I could be wrong but I am pretty sure I was not C*-ed yet this month.
I seem to be getting B* today.
I will complete a definitive check once I am able to B* all my INQs on EQ. I am currently going at a rate of 5-6 SOFT a day by utilizing CCT + EIT MPM + USAA + 1-2 FREE trials/day.
I will report back in a couple of days.
Thanks!
#81
Posted 10 April 2010 - 05:50 PM
Today I signed up for 3 trials in addition to my daily pulls + MyFico EQ. I canceled 2 trials from last week.
Of course, none of this is sustainable and it's really meant as a 2-3 week experiment.
Thanks!
#82
Posted 10 April 2010 - 05:56 PM
I wasn't chopped in January, 2010:We need to verify whether we had C* or not in January.
#83
Posted 10 April 2010 - 06:05 PM
I wasn't chopped in January, 2010:We need to verify whether we had C* or not in January.
Is your credit file with EQ or CSC? and another factor we have to consider and find out is where the EQ data centers are as C* date may depend on the location of the data center(s), ie east coast could get C* first and then mid-east, mid-west, west, etc.
#84
Posted 10 April 2010 - 06:07 PM
I'm with Equifax, but CSC seems to chop on the same days as Equifax.Is your credit file with EQ or CSC? and another factor we have to consider and find out is where the EQ data centers are as C* date may depend on the location of the data center(s), ie east coast could get C* first and then mid-east, mid-west, west, etc.
#85
Posted 10 April 2010 - 08:29 PM
I wasn't chopped in January, 2010:We need to verify whether we had C* or not in January.
Hi BobWang,
How come you have two "TRUECREDIT/VERTRUE" sections? Won't them overwrite each other if the name is exactly the same?
#86
Posted 10 April 2010 - 08:42 PM
I believe I was chopped on the 8th also. Ridiculous
PRM-7TH AVENUE 06/22/09
AR-AMERICAN EXPRESS 06/04/09
AR-CAPITAL ONE 03/02/10
PRM-CAPITAL ONE - RTPM 03/10/10, 02/12/10
CIC/EXPERIAN ALRTS 04/04/10
CIC/EXPERIAN ALRTS 02/27/10, 01/29/10
IPLACE - DISCLOSURE 04/10/10, 04/09/10
CONSUMERINFO.COM 03/09/10
DTC-COMCAST CABLE 490 08/20/09
CREDITEXPERT 1-866-673-0140 04/10/10, 04/09/10, 03/31/10, 02/28/10
PRM-ELITE 03/22/10
EQUIFAX - UPDATE 03/31/10, 12/11/08, 11/13/08, 09/23/08, 07/28/08, 05/25/08
EQUIFAX INFO SVCS. 03/29/10, 03/23/10, 01/25/10
EQUIFAX INFO SVCS. 03/10/10
EQUIFAX 02/01/10, 01/25/10, 01/24/10, 07/02/09
ND-EQUIFAX 02/01/10
ND-EQUIFAX 02/01/10
ND-EQUIFAX 01/25/10, 11/24/08
EQUIFAX INFO SVCS. 04/02/10, 03/27/10, 02/19/10, 01/07/09, 11/15/08, 10/11/08, 06/14/08, 04/24/08
ND-EQUIFAX CONSUMER SERVICES 03/09/10
ND-EQUIFAX CONSUMER SERVICES 03/09/10
ND-EQUIFAX CONSUMER SERVICES 03/01/10
ND-EQUIFAX CONSUMER SERVICES 02/18/10
CREDIT BUREAU INC 04/02/10, 04/02/10, 04/01/10, 03/26/10, 03/25/10, 03/25/10, 03/25/10, 03/11/10, 02/12/10, 01/28/10, 01/28/10, 01/28/10, 01/28/10
EQUIFAX INFO SVCS. 03/30/10, 03/25/10, 08/07/08
FAIR ISAAC 03/24/10, 02/09/10
FAIR ISAAC 02/08/10
ND-FAIR ISAAC 02/08/10
FIRST ADVANTAGE CREDCO/ 02/18/10
ND-HSBC BANK 02/25/10, 01/28/10
AR-HOUSEHOLD BANK 03/18/10
PRM-SHAMROCK FINANCIAL CORPORATION 12/12/09
TRUECREDIT/COVERDELL MY 02/26/10
TRUECREDIT/VERTRUE 04/10/10, 04/09/10, 03/31/10, 02/26/10
TRUELINK 01/28/10, 07/02/09
TRUELINK 01/27/10, 07/02/09
PRM-UNITRIN DIRECT 03/16/10
#87
Posted 10 April 2010 - 08:49 PM
AR-CAPITAL ONE 03/03/10
CIC/EXPERIAN ALRTS 02/12/10, 12/31/09
CONSUMERINFO.COM 02/26/10, 01/31/10, 12/30/09
CREDITEXPERT 1-866-673-0140 04/10/10, 04/09/10, 04/08/10, 04/07/10, 04/06/10, 04/05/10, 04/04/10, 04/03/10, 04/02/10, 04/01/10, 03/31/10, 03/30/10, 03/29/10, 03/28/10, 03/27/10, 03/26/10, 03/25/10, 03/24/10, 03/23/10, 03/22/10, 03/21/10, 03/20/10
EQUIFAX INFO SVCS. 04/06/10, 03/16/10, 03/12/10, 02/27/10, 02/27/10, 02/12/10, 02/10/10, 02/08/10, 02/06/10, 02/06/10, 02/03/10, 02/03/10, 01/27/10, 01/10/10, 12/31/09
EQUIFAX INFO SVCS. 03/08/10, 12/31/09
EQUIFAX 02/01/10
EQUIFAX 03/08/10, 12/28/09
ND-EQUIFAX 03/08/10
EQUIFAX INFO SVCS. 04/10/10, 03/31/10, 03/18/10, 03/10/10, 03/02/10, 02/17/10, 02/16/10, 02/13/10, 02/12/10, 02/11/10, 02/11/10, 02/09/10, 02/08/10, 02/07/10, 02/07/10, 02/04/10, 01/29/10, 01/27/10, 01/25/10, 01/19/10
ND-EQUIFAX CONSUMER SERVICES 04/10/10
ND-EQUIFAX CONSUMER SERVICES 03/24/10
ND-EQUIFAX CONSUMER SERVICES 03/24/10
ND-EQUIFAX CONSUMER SERVICES 03/21/10
CREDIT BUREAU INC 04/08/10, 04/08/10, 04/02/10, 03/20/10, 03/16/10, 03/14/10, 03/02/10, 03/02/10, 02/26/10, 02/18/10, 02/10/10, 02/10/10, 02/10/10, 02/09/10, 02/06/10, 02/04/10, 01/27/10, 12/31/09
FAIR ISAAC 01/06/10
PRM-FINGERHUT 03/08/10
FIRST ADVANTAGE CREDCO 02/09/10
FIRST ADVANTAGE CREDCO/ 02/06/10
ND-HSBC BANK 03/22/10, 02/25/10, 02/24/10
AR-HOUSEHOLD BANK 03/18/10
TRUECREDIT/COVERDELL MY 03/02/10
TRUECREDIT/VERTRUE 04/10/10, 04/08/10, 04/07/10, 04/06/10, 04/05/10, 04/03/10, 04/02/10, 04/01/10, 03/31/10, 03/30/10, 03/29/10, 03/28/10, 03/27/10, 03/26/10, 03/24/10, 03/23/10, 03/22/10, 03/21/10, 03/20/10
TRUELINK 03/06/10, 02/27/10, 01/27/10
#88
Posted 10 April 2010 - 09:11 PM
I am one of the few people who have both MPM and NCIDP.Hi BobWang,
How come you have two "TRUECREDIT/VERTRUE" sections? Won't them overwrite each other if the name is exactly the same?
They are identical, but they do leave separate softs on Equifax.
#89
Posted 10 April 2010 - 09:12 PM
Yup, you got hit on the 8th too.Hi Bob
I believe I was chopped on the 8th also. Ridiculous
PRM-7TH AVENUE 06/22/09
AR-AMERICAN EXPRESS 06/04/09
AR-CAPITAL ONE 03/02/10
PRM-CAPITAL ONE - RTPM 03/10/10, 02/12/10
CIC/EXPERIAN ALRTS 04/04/10
CIC/EXPERIAN ALRTS 02/27/10, 01/29/10
IPLACE - DISCLOSURE 04/10/10, 04/09/10
CONSUMERINFO.COM 03/09/10
DTC-COMCAST CABLE 490 08/20/09
CREDITEXPERT 1-866-673-0140 04/10/10, 04/09/10, 03/31/10, 02/28/10
PRM-ELITE 03/22/10
EQUIFAX - UPDATE 03/31/10, 12/11/08, 11/13/08, 09/23/08, 07/28/08, 05/25/08
EQUIFAX INFO SVCS. 03/29/10, 03/23/10, 01/25/10
EQUIFAX INFO SVCS. 03/10/10
EQUIFAX 02/01/10, 01/25/10, 01/24/10, 07/02/09
ND-EQUIFAX 02/01/10
ND-EQUIFAX 02/01/10
ND-EQUIFAX 01/25/10, 11/24/08
EQUIFAX INFO SVCS. 04/02/10, 03/27/10, 02/19/10, 01/07/09, 11/15/08, 10/11/08, 06/14/08, 04/24/08
ND-EQUIFAX CONSUMER SERVICES 03/09/10
ND-EQUIFAX CONSUMER SERVICES 03/09/10
ND-EQUIFAX CONSUMER SERVICES 03/01/10
ND-EQUIFAX CONSUMER SERVICES 02/18/10
CREDIT BUREAU INC 04/02/10, 04/02/10, 04/01/10, 03/26/10, 03/25/10, 03/25/10, 03/25/10, 03/11/10, 02/12/10, 01/28/10, 01/28/10, 01/28/10, 01/28/10
EQUIFAX INFO SVCS. 03/30/10, 03/25/10, 08/07/08
FAIR ISAAC 03/24/10, 02/09/10
FAIR ISAAC 02/08/10
ND-FAIR ISAAC 02/08/10
FIRST ADVANTAGE CREDCO/ 02/18/10
ND-HSBC BANK 02/25/10, 01/28/10
AR-HOUSEHOLD BANK 03/18/10
PRM-SHAMROCK FINANCIAL CORPORATION 12/12/09
TRUECREDIT/COVERDELL MY 02/26/10
TRUECREDIT/VERTRUE 04/10/10, 04/09/10, 03/31/10, 02/26/10
TRUELINK 01/28/10, 07/02/09
TRUELINK 01/27/10, 07/02/09
PRM-UNITRIN DIRECT 03/16/10
#90
Posted 10 April 2010 - 09:14 PM
Be very, very quiet...I was not chopped in April at all. Last chop date I experienced is 3/20....
AR-CAPITAL ONE 03/03/10
CIC/EXPERIAN ALRTS 02/12/10, 12/31/09
CONSUMERINFO.COM 02/26/10, 01/31/10, 12/30/09
CREDITEXPERT 1-866-673-0140 04/10/10, 04/09/10, 04/08/10, 04/07/10, 04/06/10, 04/05/10, 04/04/10, 04/03/10, 04/02/10, 04/01/10, 03/31/10, 03/30/10, 03/29/10, 03/28/10, 03/27/10, 03/26/10, 03/25/10, 03/24/10, 03/23/10, 03/22/10, 03/21/10, 03/20/10
EQUIFAX INFO SVCS. 04/06/10, 03/16/10, 03/12/10, 02/27/10, 02/27/10, 02/12/10, 02/10/10, 02/08/10, 02/06/10, 02/06/10, 02/03/10, 02/03/10, 01/27/10, 01/10/10, 12/31/09
EQUIFAX INFO SVCS. 03/08/10, 12/31/09
EQUIFAX 02/01/10
EQUIFAX 03/08/10, 12/28/09
ND-EQUIFAX 03/08/10
EQUIFAX INFO SVCS. 04/10/10, 03/31/10, 03/18/10, 03/10/10, 03/02/10, 02/17/10, 02/16/10, 02/13/10, 02/12/10, 02/11/10, 02/11/10, 02/09/10, 02/08/10, 02/07/10, 02/07/10, 02/04/10, 01/29/10, 01/27/10, 01/25/10, 01/19/10
ND-EQUIFAX CONSUMER SERVICES 04/10/10
ND-EQUIFAX CONSUMER SERVICES 03/24/10
ND-EQUIFAX CONSUMER SERVICES 03/24/10
ND-EQUIFAX CONSUMER SERVICES 03/21/10
CREDIT BUREAU INC 04/08/10, 04/08/10, 04/02/10, 03/20/10, 03/16/10, 03/14/10, 03/02/10, 03/02/10, 02/26/10, 02/18/10, 02/10/10, 02/10/10, 02/10/10, 02/09/10, 02/06/10, 02/04/10, 01/27/10, 12/31/09
FAIR ISAAC 01/06/10
PRM-FINGERHUT 03/08/10
FIRST ADVANTAGE CREDCO 02/09/10
FIRST ADVANTAGE CREDCO/ 02/06/10
ND-HSBC BANK 03/22/10, 02/25/10, 02/24/10
AR-HOUSEHOLD BANK 03/18/10
TRUECREDIT/COVERDELL MY 03/02/10
TRUECREDIT/VERTRUE 04/10/10, 04/08/10, 04/07/10, 04/06/10, 04/05/10, 04/03/10, 04/02/10, 04/01/10, 03/31/10, 03/30/10, 03/29/10, 03/28/10, 03/27/10, 03/26/10, 03/24/10, 03/23/10, 03/22/10, 03/21/10, 03/20/10
TRUELINK 03/06/10, 02/27/10, 01/27/10
#91
Posted 11 April 2010 - 07:30 AM
#92
Posted 11 April 2010 - 07:31 AM
I got thoroughly chopped on EQ last night
Mark it down Bob, this chop came totally unexpected.
AR-ALLIED INTERSTATE, INC 07/07/09
PRM-AMERICAN INTERNATIONAL ADVERT. 06/22/09
AR-CD-INTERSECTIONS 11/10/09
CIC/EXPERIAN ALRTS 03/21/10
CREDITEXPERT 1-866-673-0140 04/11/10, 04/10/10, 03/31/10, 02/28/10
EQUIFAX INFO SVCS. 03/24/10, 03/02/10, 02/17/10, 01/27/10, 01/16/10, 01/15/10, 01/05/10, 01/03/10, 11/18/09, 11/10/09, 11/06/09, 10/30/09
EQUIFAX INFO SVCS. 12/13/09, 12/01/09, 11/19/09
EQUIFAX INFO SVCS 10/05/09
EQUIFAX 04/08/10, 03/10/10, 02/17/10, 12/20/09, 11/12/09, 10/30/09, 10/05/09
EQUIFAX 11/12/09, 11/07/09, 11/06/09, 09/28/09
ND-EQUIFAX 11/07/09
ND-EQUIFAX 11/06/09
ND-EQUIFAX 11/06/09
EQUIFAX INFO SVCS. 04/07/10, 04/07/10, 03/27/10, 03/24/10, 02/23/10, 02/03/10, 01/26/10, 01/19/10, 01/07/10, 01/07/10, 01/01/10, 12/09/09, 11/29/09, 11/21/09, 11/20/09, 11/14/09, 11/14/09, 11/13/09, 11/12/09, 11/10/09, 10/07/09
ND-EQUIFAX CONSUMER SERVICES 04/01/10
CREDIT BUREAU INC 03/25/10, 03/24/10, 01/06/10, 12/19/09, 12/19/09, 12/19/09, 12/19/09, 12/19/09, 12/08/09, 12/04/09, 12/04/09, 12/04/09, 12/04/09, 11/21/09, 11/21/09, 11/21/09, 11/21/09, 11/21/09, 11/16/09, 10/19/09, 10/14/09, 10/07/09, 10/07/09, 10/06/09, 10/02/09, 10/02/09, 10/02/09, 10/02/09, 10/02/09, 10/01/09, 10/01/09
EQUIFAX INFO SVCS. 02/09/10
FAIR ISAAC 04/08/10, 03/24/10
FAIR ISAAC 09/25/09
ND-FAIR ISAAC 09/25/09
ND-HSBC BANK 04/10/10, 04/09/10, 04/08/10, 04/05/10, 04/02/10, 04/01/10, 03/30/10, 03/28/10, 03/27/10, 03/26/10, 03/24/10, 03/23/10, 03/22/10, 03/21/10, 03/19/10, 03/18/10, 03/17/10, 03/16/10, 03/15/10, 03/14/10, 03/13/10, 03/12/10, 03/11/10, 03/10/10, 03/09/10, 03/08/10, 02/07/10, 02/06/10, 02/05/10, 02/04/10, 02/03/10, 02/02/10, 02/01/10, 01/31/10, 01/30/10, 01/29/10, 01/28/10, 01/27/10, 01/26/10, 01/25/10, 01/24/10, 01/23/10, 01/22/10, 01/21/10, 01/20/10, 01/19/10, 01/18/10, 01/17/10, 01/16/10, 01/15/10, 01/14/10, 01/13/10, 01/12/10, 01/11/10, 01/10/10, 01/08/10, 01/07/10, 01/06/10, 01/05/10, 01/04/10, 01/03/10, 01/02/10, 01/01/10, 12/31/09, 12/30/09, 12/29/09, 12/28/09, 12/27/09, 12/26/09, 12/25/09, 12/24/09, 12/23/09, 12/22/09, 12/21/09, 12/20/09, 12/19/09, 12/18/09, 12/16/09, 12/13/09, 12/11/09, 12/10/09, 12/05/09, 12/02/09, 11/30/09, 11/28/09, 11/27/09, 11/25/09, 11/21/09, 11/20/09, 11/19/09, 11/17/09, 11/16/09, 11/15/09, 11/14/09, 11/13/09, 11/12/09, 11/11/09, 11/10/09, 11/09/09, 11/08/09, 11/06/09, 11/05/09
AR-HOUSEHOLD BANK 03/18/10
INTERSECTIONS 01/14/10
INTERSECTIONS 12/14/09, 09/18/09
AR-SPRINTNEXTEL - PCS 02/09/10
TRUECREDIT/VERTRUE 04/10/10, 03/31/10, 02/28/10
TRUECREDIT/VERTRUE 03/14/10, 02/15/10
TRUELINK 03/17/10, 02/14/10
#93
Posted 11 April 2010 - 08:30 AM
#94
Posted 11 April 2010 - 09:44 AM
CD-INTERSECTIONS 04/10/10
CIC/EXPERIAN ALRTS 03/08/10, 10/25/09
CREDITEXPERT 1-866-673-0140 04/11/10, 04/10/10, 03/31/10, 02/17/10, 01/31/10, 12/31/09, 11/30/09, 10/30/09
EQUIFAX - UPDATE 04/07/10, 01/21/10, 10/19/09, 05/25/09, 03/03/09, 12/07/08, 11/05/08, 10/15/08, 08/13/08, 04/15/08
EQUIFAX 03/12/10, 03/11/10, 03/11/10, 03/09/10, 03/21/09, 03/19/09, 09/16/08, 08/03/08, 07/10/08, 06/29/08, 06/17/08
EQUIFAX INFO SVCS. 03/11/10, 03/08/10, 03/06/10, 06/30/08
EQUIFAX INFO SVCS. 03/06/10, 03/04/10, 10/30/09, 10/22/09, 10/18/09, 10/14/09, 10/14/09, 10/11/09, 10/03/09
EQUIFAX 10/13/09
EQUIFAX 03/21/10
EQUIFAX 10/19/09
ND-EQUIFAX 03/21/10
ND-EQUIFAX 03/21/10
EQUIFAX INFO SVCS. 03/16/10, 03/24/09, 12/23/08, 10/31/08, 08/18/08, 08/14/08, 07/01/08, 06/30/08, 06/03/08
ND-Equifax Consumer Services 04/11/10
ND-Equifax Consumer Services 04/08/10
ND-Equifax Consumer Services 04/02/10
ND-Equifax Consumer Services 10/30/09
ND-Equifax Consumer Services 09/15/08
ND-Equifax Consumer Services 06/29/08
EQUIFAX INFORMATION SVS 03/15/10, 03/08/10, 02/26/10, 01/12/10, 10/29/09, 10/28/09, 10/20/09, 10/12/09, 10/05/09, 10/05/09
EQUIFAX INFO SVCS. 03/12/10, 03/09/10, 03/08/10, 03/08/10, 03/05/10, 01/25/10, 11/02/09, 10/26/09, 10/26/09, 10/19/09, 10/16/09, 10/12/09, 06/09/09, 03/23/09, 11/06/08, 09/16/08, 05/10/08
FAIR ISAAC 04/10/10, 03/31/10, 02/03/10, 10/26/09
FIRST ADVANTAGE CREDCO/ 04/11/10, 04/10/10
FIRST ADVANTAGE CREDCO/ 04/10/10
ND-HSBC BANK 04/06/10
INTERSECTIONS 04/10/10, 04/07/10
TRUECREDIT/BUSINESS MAX 04/07/10
TRUECREDIT/COVERDELL MY 03/10/10
TRUECREDIT/VERTRUE 04/11/10, 04/10/10, 03/31/10
TRUECREDIT/VERTRUE 04/07/10
TRUELINK 04/06/10, 03/04/10, 01/20/10, 12/19/09, 11/14/09, 10/14/09, 07/13/09
AR-US BANK NA 02/03/10
Edited by seattlecredit, 11 April 2010 - 09:49 AM.
#95
Posted 11 April 2010 - 09:53 AM
#96
Posted 11 April 2010 - 11:19 AM
btw: Anyone knows if INTERSECTIONS pull is useful for B*?
#97
Posted 11 April 2010 - 12:06 PM
It might be, but I don't have a definitive answer:I was chopped on Apr 9 as well, it seems apr8-9 is the april chop date. Really unlucky to get chopped twice (Mar 20, Apr 9), I'm almost 85 by yesterday, I just need 1-2 more days.
btw: Anyone knows if INTERSECTIONS pull is useful for B*?
http://creditboards....l=intersections
#98
Posted 11 April 2010 - 12:08 PM
#99
Posted 11 April 2010 - 12:12 PM
I wonder if we'll get some reports of April 10th choppage, to match the 18th-20th chops of last month:
I backdoored twice yesterday on EQ, I had not been chopped, I was chopped on the 10th. When I pulled a backdoor this morning I saw I'd been chopped.
#100
Posted 11 April 2010 - 12:21 PM
BTD:I wonder if we'll get some reports of April 10th choppage, to match the 18th-20th chops of last month:
I backdoored twice yesterday on EQ, I had not been chopped, I was chopped on the 10th. When I pulled a backdoor this morning I saw I'd been chopped.
I'm noting yours as being chopped on the 9th since your 10th and 11th pulls are still there.
I thnk it's easier to say the chop happened on the 9th, so people can count the 10th and onward in planning B* strategy.
Bob
P.S. In reality, the chop DID happen on the 10th.
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