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B* reference guide


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183 replies to this topic

#101 CreditDebitJustGetIt

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Posted 15 February 2011 - 05:32 PM


So I was able to B* all equifax and since I can't see TU softs I have just kept pulling to see what would happen. All of my equifax inq have been gone for about a week then suddenly 2 days ago I got one off TU from 3/09 thought maybe it just fell off a little early...but today one fell from 11/09 so I think this has begun to work on TU! TU takes longer not sure what pulls are really counting and which ones not. I do have SC but I think I have only pulled that maybe 25 times at the most so something else must be counting as well just don't know what!


so you using SC only?

Have you tried TU backdoor to see the soft?


Using USAA amd MPM as well used that for EQ but am just continuing with them since I am seeing TU B* now I don't know what is really helping? Don't know how to see TU softs ? Do you just have to order the whole report by mail?



#102 jcasti02

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Posted 18 February 2011 - 11:40 PM

If you call MPM you can get the number youneed to start pulling, been doing it for a week now.


I tried searching for my question but I couldn't find it.
I signed up Tuesday morning using the link in this thread. I've been calling every day after for the number, but they say that I'm not showing yet in their system. The first day they said that it takes 48 hrs, and the next day they said that it takes 72 hrs. Today they said that it shouldn't have taken this long and advised me to sign up again. They said that they would refund the money if I signed up for two.

How many days does it take to get the number by calling?

#103 creditmonitor2010

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Posted 19 February 2011 - 02:58 AM


How many days does it take to get the number by calling?


If you would rather not call, simply go to myprivacymatters.com, click forgot ID, click contact us, and send them a message requesting the ID.

#104 iWhat

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Posted 19 February 2011 - 06:13 AM

It's about 3 days to get your member number... They are slow

#105 Menta33

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Posted 13 March 2011 - 05:45 PM

Does National City ID Patrol (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

#106 BobWang

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Posted 13 March 2011 - 06:17 PM

Does National City ID Patrolrotection (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

NCIDP is no longer a daily puller for new members.

#107 BDK

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Posted 13 March 2011 - 07:08 PM


Does National City ID Patrolrotection (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

NCIDP is no longer a daily puller for new members.


Hey Bob, maybe you could sign us up as AU and we could try for backdating? :dntknw:
















:P

#108 BW1216

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Posted 13 March 2011 - 07:10 PM



Does National City ID Patrolrotection (NCIDP) work as an additional puller or is it duplicative of My Privacy Matters (MPM)?

NCIDP is no longer a daily puller for new members.


Hey Bob, maybe you could sign us up as AU and we could try for backdating? :dntknw:
















:P



Haha, blatant. Posted Image



#109 MadMax81

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Posted 25 April 2011 - 08:16 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



I am pretty new at this I have one pretty stupid question. How would you knowthat your pulls have reached 85? To make sure you are not being C*.

#110 bigperm0107

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Posted 25 April 2011 - 08:56 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



I am pretty new at this I have one pretty stupid question. How would you knowthat your pulls have reached 85? To make sure you are not being C*.



If you pull from the EQ monitoring service you can go to the inquiry section and see your inquiries. You would then copy and paste the soft inquiries into the B* counter in the sticky portion of the credit section. I hope that this helps you out.

#111 r2-d2

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Posted 26 April 2011 - 10:35 AM

Do CCT and USAA-CCMP still count as two different pulls or have they been merged? Some threads say yes and others no. Just wanted to confirm before cancelling CCT as I have a discounted rate. TIA!

#112 scwam

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Posted 26 April 2011 - 11:46 AM

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)

#113 losartworks

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Posted 26 April 2011 - 11:59 AM

We have believed that 98% of the time if you pull dry on the EX/EQ on MPM and they only give you a TU, it's because you didn't wait a full 24 hours and 1 minute. I play it safe and add 5 minutes using the same clock on my computer and have never had the dry pull since.

#114 MadMax81

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Posted 26 April 2011 - 03:46 PM

MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)



Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.

#115 scwam

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Posted 26 April 2011 - 06:04 PM


MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)



Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.


Yes they C* my crotch monthly. I've already been on the list because possibly I had Equifax service 2 years ago and did back door pulls, thinking nothing of it at that time.

#116 iWhat

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Posted 29 April 2011 - 07:48 AM



MPM has again skipped pulling from EQ and Exp. Is this because I have 4 subscriptions and maybe the bureaus are limiting the pulls. (I have CS,MPM,EQ,USAA)



Are you being C*? Is that why you have so many subscriptions? I was thinking about getting 4 too, but i read on the forum that it is a good way to get on the C*age list. I am currently using EC daily and USAA 1 in 3.


Yes they C* my crotch monthly. I've already been on the list because possibly I had Equifax service 2 years ago and did back door pulls, thinking nothing of it at that time.


I think we all did that :glare:

#117 BW1216

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Posted 29 April 2011 - 01:14 PM

Do CCT and USAA-CCMP still count as two different pulls or have they been merged? Some threads say yes and others no. Just wanted to confirm before cancelling CCT as I have a discounted rate. TIA!


Confirmed the same. They will both show as Credit Expert. Cancel away.

#118 scwam

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Posted 29 April 2011 - 08:16 PM

I am about to start B. next week. So if I get 90 pulls before the c. I will have 5 inq removed right?

#119 coolguy100

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Posted 16 May 2011 - 10:19 PM

national city Identity Protect is a daily puller. I am not sure if it is daily puller only for grandfathered customers though.

#120 visorboy1974

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Posted 16 May 2011 - 11:21 PM

national city Identity Protect is a daily puller. I am not sure if it is daily puller only for grandfathered customers though.


Yes, it's grandfathered. No newbies are able to get the daily pulls.

#121 r2-d2

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Posted 28 May 2011 - 09:26 AM

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!

#122 visorboy1974

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Posted 28 May 2011 - 09:42 AM

Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!


It works.

#123 r2-d2

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Posted 28 May 2011 - 11:04 AM


Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!


It works.


Hmm, any ideas/suggestions from the experts as to why my softs aren't counting for TU? I pull a backdoor report once a week and both last and this week show a count of 49. I can post my inq's if that would help.

#124 visorboy1974

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Posted 28 May 2011 - 02:23 PM



Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!


It works.


Hmm, any ideas/suggestions from the experts as to why my softs aren't counting for TU? I pull a backdoor report once a week and both last and this week show a count of 49. I can post my inq's if that would help.

They're counting, but you have to understand that the TU backdoor only has a month/year of the soft pulls. I found the counter to be an estimate, but not quite as exact as the EQ counter. You just need to be patient. They'll fall off.

#125 BW1216

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Posted 29 May 2011 - 02:33 AM


Could someone please confirm if SCP still works for TU *b? I have been pulling them daily for over a week and I'm stuck at 49 softs via the counter. If SCP no longer works, what should we be using for TU *b?? I chugging away on EQ but can't get TU to budge. TIA!


It works.


+1, got another TU inq to drop today.




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