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B* reference guide


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183 replies to this topic

#1 creditmonitor2010

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Posted 19 October 2010 - 05:13 PM

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



#2 creditmonitor2010

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Posted 19 October 2010 - 05:20 PM

Lots of credit to everyone here who discovered and contributed this information. With the free trials, people should be able to B* free or almost free.

#3 BobWang

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Posted 19 October 2010 - 05:58 PM

Good summary, cm2010. :good:

#4 gnarlywood

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Posted 19 October 2010 - 06:17 PM

This is fantastic! With my impending app spree in a month or so, I can use this guide to have my EQ report lined up for some quick B* and continue to app. Thanks!!

#5 mordaane

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Posted 19 October 2010 - 09:05 PM

Most useful indeed. :D

#6 redfish642

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Posted 19 October 2010 - 09:31 PM

Is there anyway to get off of the C list.

#7 Repairerer

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Posted 19 October 2010 - 09:53 PM

Is there anyway to get off of the C list.


Maybe cancel all your products and wait a few years. Short of that, no.

#8 bluesmap

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Posted 19 October 2010 - 09:55 PM

thanks for this thread.
b made easy

#9 Unas2k5

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Posted 21 October 2010 - 06:53 PM

What other puller can I use for TU B* ?

I have CCT right now.

#10 Repairerer

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Posted 21 October 2010 - 06:54 PM

SmartCredit. It ain't cheap but if you're close maybe a trial will hit it.

#11 Unas2k5

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Posted 21 October 2010 - 07:07 PM

Transunion:

Listed under account review. Am I close?


CONSUMERINFO via CONSUMER INFO.COM
18500 VON KARMEN A
#900
IRVINE , CA 92612
Phone number not available

Requested On:
10/2010
Permissible Purpose: CONSUMER REQUEST

CONSUMERINFO via CONSUMER INFO.COM
18500 VON KARMEN A
#900
IRVINE , CA 92612
Phone number not available

Requested On:
10/2010
Permissible Purpose: CONSUMER REQUEST

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
10/2010
Permissible Purpose: WRITTEN AUTHORIZATION

FAIRISAAC via MY FICO
901 MARQUETTE AVE
SUITE 3200
MINNEAPOLIS , MN 55402
(800) 319-4433

Requested On:
10/2010
Permissible Purpose: CONSUMER REQUEST

FAIRISAAC via MY FICO
901 MARQUETTE AVE
SUITE 3200
MINNEAPOLIS , MN 55402
(800) 319-4433

Requested On:
10/2010
Permissible Purpose: CONSUMER REQUEST

BANK OF AMERICA
P O BOX 15026
WILMINGTON , DE 19850
(800) 421-2110

Requested On:
09/2010


FAIRISAAC via MY FICO
901 MARQUETTE AVE
SUITE 3200
MINNEAPOLIS , MN 55402
(800) 319-4433

Requested On:
09/2010
Permissible Purpose: CONSUMER REQUEST

GEMB/SHOPNBC PLCC
PO BOX 981400
EL PASO , TX 79998
(866) 597-1513

Requested On:
09/2010


GEMB/WALMART
PO BOX 981400
EL PASO , TX 79998
(877) 294-7880

Requested On:
09/2010


BANK OF AMERICA
4161 PIEDMONT PKWY
1825 E BUCKEYE RD
GREENSBORO , NC 27410
(800) 451-6362

Requested On:
09/2010


CAPITAL ONE BANK USA NA
PO BOX 30281
SALT LAKE CITY , UT 84130
(800) 955-7070

Requested On:
09/2010


HOOTERS CARD/MERRICK BAN
POB 1500
DRAPER , UT 84020
(800) 349-7472

Requested On:
09/2010


FINGERHUT DIRECT MARKETI
6250 RIDGEWOOD ROA
SAINT CLOUD , MN 56303
(800) 356-2347

Requested On:
08/2010


FAIRISAAC via MY FICO
901 MARQUETTE AVE
SUITE 3200
MINNEAPOLIS , MN 55402
(800) 319-4433

Requested On:
08/2010
Permissible Purpose: CONSUMER REQUEST

FAIRISAAC via MY FICO
901 MARQUETTE AVE
SUITE 3200
MINNEAPOLIS , MN 55402
(800) 319-4433

Requested On:
08/2010
Permissible Purpose: CONSUMER REQUEST

FIA CSNA
P O BOX 15026
WILMINGTON , DE 19850
(800) 421-2110

Requested On:
08/2010


CENTRRO INC
291 3RD ST
OAKLAND , CA 94607
(501) 384-7900

Requested On:
07/2010


BANK OF AMERICA
PO BOX 17054
WILMINGTON , DE 19850-7054
(800) 421-2110

Requested On:
06/2010


FICO SCORE & TU REPORT
901 MASQUETH AVE
SUITE 3200
MINNEAPOLIS , MN 55402
Phone number not available

Requested On:
06/2010


CENTRRO INC
291 3RD ST
OAKLAND , CA 94607
(501) 384-7900

Requested On:
04/2010


CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
03/2010
Permissible Purpose: WRITTEN AUTHORIZATION

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
03/2010
Permissible Purpose: WRITTEN AUTHORIZATION

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
03/2010
Permissible Purpose: WRITTEN AUTHORIZATION

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
03/2010
Permissible Purpose: WRITTEN AUTHORIZATION

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
02/2010
Permissible Purpose: WRITTEN AUTHORIZATION

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
02/2010
Permissible Purpose: CREDIT MONITORING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
02/2010
Permissible Purpose: CREDIT MONITORING

ALLSTATE
1819 ELECTRIC RD
ROANOKE , VA 24018
(800) 255-7828

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

GEICO INSURANCE
ONE GEICO PLAZA
WASHINGTON , DC 20076
Phone number not available

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

CENTRRO INC
291 3RD ST
OAKLAND , CA 94607
(501) 384-7900

Requested On:
01/2010


CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
01/2010
Permissible Purpose: WRITTEN AUTHORIZATION

NATIONWIDE NEW M-VA
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

NATIONWIDE NEW M-VA
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
01/2010
Permissible Purpose: CREDIT MONITORING

VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

GEICO INSURANCE
ONE GEICO PLAZA
WASHINGTON , DC 20076
Phone number not available

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

GEICO INSURANCE
ONE GEICO PLAZA
WASHINGTON , DC 20076
Phone number not available

Requested On:
01/2010
Permissible Purpose: INSURANCE UNDERWRITING

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
01/2010
Permissible Purpose: WRITTEN AUTHORIZATION

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
01/2010
Permissible Purpose: CREDIT MONITORING

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
01/2010
Permissible Purpose: WRITTEN AUTHORIZATION

LENDING CLUB CORPORATION
370 CONVENTION WAY
REDWOOD CITY , CA 94063
(408) 524-3067

Requested On:
01/2010


TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
01/2010
Permissible Purpose: CREDIT MONITORING

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
01/2010
Permissible Purpose: WRITTEN AUTHORIZATION

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
01/2010
Permissible Purpose: CREDIT MONITORING

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
01/2010
Permissible Purpose: WRITTEN AUTHORIZATION

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
01/2010
Permissible Purpose: CREDIT MONITORING

AFFINION - PRIVACYGU via CREDCO
100 CONNETICUT AVE
NORWALK , CT 06850
(866) 990-7328

Requested On:
12/2009
Permissible Purpose: CONSUMER INITIATED TRANSACTION

CONSUMERINFO via CONSUMERINFO.COM
18500 VON KARMEN A
STE 900
IRVINE , CA 92612
Phone number not available

Requested On:
12/2009
Permissible Purpose: CONSUMER REQUEST

CONSUMERINFO via CONSUMERINFO.COM
18500 VON KARMEN A
STE 900
IRVINE , CA 92612
Phone number not available

Requested On:
12/2009
Permissible Purpose: CONSUMER REQUEST

CONSUMERINFO.COM
18500 VON KARMAN
#900
IRVINE , CA 92612
(888) 888-8553

Requested On:
12/2009
Permissible Purpose: WRITTEN AUTHORIZATION

CONSUMERINFO via CONSUMERINFO.COM
18500 VON KARMEN A
STE 900
IRVINE , CA 92612
Phone number not available

Requested On:
12/2009
Permissible Purpose: CONSUMER REQUEST

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
12/2009
Permissible Purpose: CREDIT MONITORING

BANK OF AMERICA
PO BOX 17054
WILMINGTON , DE 19850-7054
(800) 421-2110

Requested On:
12/2009


VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
12/2009
Permissible Purpose: INSURANCE UNDERWRITING

VICTORIA INSURANCE GROUP
ONE NATIONWIDE PLA
01-17-201
COLUMBUS , OH 43215
(800) 882-2822

Requested On:
12/2009
Permissible Purpose: INSURANCE UNDERWRITING

CENTRRO INC
291 3RD ST
OAKLAND , CA 94607
(501) 384-7900

Requested On:
12/2009


GEICO INS CO
ONE GEICO BLVD
FREDERICKSBURG , VA 22412
Phone number not available

Requested On:
12/2009
Permissible Purpose: INSURANCE UNDERWRITING

CENTRRO INC
291 3RD ST
OAKLAND , CA 94607
(501) 384-7900

Requested On:
10/2009


GEICO INS CO
ONE GEICO BLVD
FREDERICKSBURG , VA 22412
Phone number not available

Requested On:
07/2009
Permissible Purpose: INSURANCE UNDERWRITING

GEICO INS CO
ONE GEICO BLVD
FREDERICKSBURG , VA 22412
Phone number not available

Requested On:
04/2009
Permissible Purpose: INSURANCE UNDERWRITING

#12 auburnjosh

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Posted 21 October 2010 - 07:34 PM

The link for MPM doesn't work.

#13 creditmonitor2010

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Posted 21 October 2010 - 08:58 PM

The link for MPM doesn't work.

Sorry it appears they have killed the links for Key Bank and BBT. It worked two days ago.

No choice but to go through EIDT again.
http://www.eliminate...l/signup15.aspx

I don't know if the mods feel like substituting these links up into the first post. Otherwise it'll have to wait until the next update.

Edited by creditmonitor2010, 21 October 2010 - 08:58 PM.


#14 mordaane

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Posted 21 October 2010 - 11:01 PM

A few months back I signed up for EC on a trail offer. I used it one day and canceled it because it was overwhelming amount information for me at the time. Got a discounted offer in my email for EC and signed back up. There was a chop, slash, and a hack! :rofl: I can safely say that one day was more than enough to get me on the C* list.

#15 Venusfan

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Posted 25 October 2010 - 01:26 AM

man, just checked my EQ and see I got 10 inq.. looks like it's time to freeze EQ

#16 gnarlywood

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Posted 26 October 2010 - 02:18 PM

How do I work MPM? The links by the OP don't work and on the main page it asks for either a login or a promo code for new guests. There is no apparent way to just sign up.

It also seems to indicate that credit info is provided by TU at the bottom of the main page.

http://www.myprivacymatters.com

#17 jimmytftw35

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Posted 26 October 2010 - 02:46 PM

I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

#18 jimmytftw35

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Posted 26 October 2010 - 02:47 PM

Double post. Darn phone

Edited by jimmytftw35, 26 October 2010 - 02:48 PM.


#19 creditmonitor2010

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Posted 26 October 2010 - 02:55 PM

I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

65 days later they will all be gone

#20 hbomb174

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Posted 26 October 2010 - 03:22 PM


I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

65 days later they will all be gone


you have softs in between the hards...

#21 babyarho2010

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Posted 26 October 2010 - 04:59 PM

When did USAA stop b* TU? I guess I haven't been diligent enough reading the applicable threads...I've been pulling daily, consistently, and it wasn't until last week or so I BD EQ and noticed the b*, no such luck on TU...I'm afraid to get another puller and get on the c* list... :dntknw:

#22 gnarlywood

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Posted 11 November 2010 - 02:33 PM

After speaking with SmartCredit yesterday, I have some bad news.

The rep told me that as of Oct 26, they are only allowing 4 pulls per "extended" 30-day promo period. It was on that same day that I had called to "cancel" and been offered to extend my promo to 30 days. As she extended me I asked for "additional pulls" (LOL) and the very nice rep told me that the most she could give me was 16 at a time, but call or email when I need more. I did and I was given the bad news for all of us, and by the same rep who I'd spoken to in Oct.

#23 foeplay

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Posted 11 November 2010 - 02:36 PM

After speaking with SmartCredit yesterday, I have some bad news.

The rep told me that as of Oct 26, they are only allowing 4 pulls per "extended" 30-day promo period. It was on that same day that I had called to "cancel" and been offered to extend my promo to 30 days. As she extended me I asked for "additional pulls" (LOL) and the very nice rep told me that the most she could give me was 16 at a time, but call or email when I need more. I did and I was given the bad news for all of us, and by the same rep who I'd spoken to in Oct.


Now watch their 4th quarter sales drop. Some people were about to get some hefty Xmas bonuses no doubt.

#24 creditmonitor2010

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Posted 12 November 2010 - 12:28 PM

In the next update, this very important topic will be added to the first post.

You can freeze the CRAs that track your Mastercard and Visa applications
Free and easy
http://creditboards....howtopic=431947

#25 reuben1023

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Posted 07 January 2011 - 04:12 AM

So, first of all, thanks to everyone here for all of the great information. I'm finding that in my quest to eliminate inquiries, an interesting thing is happening that goes against what's been posted here. That being that usaa and cct are not over-writing each other for purposes of eq b*. Let me explain. I have 4 daily pullers, MPM, USAA, CCT, and EC. I was going to cancel CCT, but I still had a partial month left so I kept it. All 4 were in place and ready to go by my c* date (12/16). So starting 12/17 I had 4 leftover softs (according to eq soft counter) and 14 hards, and I began pulling all 4 daily. Only 3 per day were showing up on my EC soft count, so I thought I was on track to start b* hards on 1/9/11. I did, however, start much sooner. For about 4 days now I've been b*. It started with 64 softs. Now I'm not complaining, but I kind of wanted to know whats going on, so I've been watching for exactly where the b* occurs. Every day I pull MPM first, then USAA, CCT, and EC last because it has a list of softs. For two days in a row now I've dropped a hard inquiry with my USAA pull, and then dropped another with my CCT pull. So my conclusion is that, while they seem to over-write each other on the soft count, I think they are maybe still there separately somehow. Or maybe I just got lucky. Anyways, I'll be inquiry free in a couple of days well ahead of schedule, with plenty of time to spare before c*. I maybe feel an app. or 2 coming on.




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