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Best route for Equifax Bumpage

georgeb

By georgeb
in Credit Forum

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The last post in this topic was posted 4757 days ago. 

 

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georgeb

georgeb

Posted
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Ok so I was told when I asked before to wait until I got my credit report cleaned with most if not all negatives removed. We are down to 1 that we are just gonna let fall off at the 7 year mark as its only 4 months away. Now we want to start bumping the inquiries off which we have the most with Equifax which is 15. What is the best monitoring to go with that has achieved bumpage. I would like to get started right away so we can have equifax ready to go before October


muss08

muss08

Posted
Posted

The cheapest route to take, but also the longest (so I dont know if you have time) is to only sign up for USAA credit monitoring and to pull every day for the next three months if you are SURE you are not being chopped. If you backdoor your Equifax report or have ever signed up for EC (Equifax Complete) then chances are you are on the C* block.

 

The fastest way, and also the most expensive, is to sign up for USAA, EC, and MPM/EIDT and pull these 3 daily. If you have an AMEX (real AMEX, not through another bank) you can also sign up for CS (credit secure). These services are the only ones that count towards Eq B*. This should allow you to finish B* by October. Please post other questions in the Master thread

georgeb

georgeb

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HMMMMMM. OK I have USAA and EC. I have been with both for the past 2 months and I pull everyday. Maybe something will start to bump and we will see a decrease in inquiries. Thanks muss

muss08

muss08

Posted
Posted

Have you checked your inquiries? Chances are you are on the C* block since you have EC. Using Equifax's product usually gets you on the C* block immediately. Check you softs next time you pull your report through EC and make sure. If you are unsure post your softs

visorboy1974

visorboy1974

Posted
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HMMMMMM. OK I have USAA and EC. I have been with both for the past 2 months and I pull everyday. Maybe something will start to bump and we will see a decrease in inquiries. Thanks muss

With EC, you're very likely being C* as muss08 mentioned. If that's the case, you'll need to sign up for MPM. Should take a couple of months to be clean. You'd do well to find out the C* schedule for August and then start pulling like a mad man. Good luck!

Bubj42

Bubj42

Posted
Posted

Have been pulling USAA daily since 5/22/12 and it looks like I am starting to see some "B". I started out with 17 inquiries on EQ. Two fell off due to age and on the 29th one that was scheduled for 8/4/12 fell off, on the 30th one scheduled for 8/29/12 fell off and this morning one scheduled for 9/29/12 dropped. Will this be a daily thing and do will multiples fall off at once? I only have 1 inquiry on EX. and 2 on TU so I would like to see the EQ ones fall off. Eleven of the last twelve aren't scheduled to drop off until 2013 and 2014 so if these fall will this change my score much? :yahoo:

melikey

melikey

Posted
Posted

If you backdoor your Equifax report or have ever signed up for EC (Equifax Complete) then chances are you are on the C* block.

 

Does having and cancelling Equifax Score Watch put someone on the chopping block, same as EQ Complete?

junkyour925

junkyour925

Posted
Posted (edited)

HMMMMMM. OK I have USAA and EC. I have been with both for the past 2 months and I pull everyday. Maybe something will start to bump and we will see a decrease in inquiries. Thanks muss

 

chances are extremely high that you r on the Chop list with Equifax so you will have to pull 3 times daily to get 85 pulls in before the next monthly chop. Anything less and you won't make it in time, its that simple.

 

Download my spreadsheet to get organized and get going.

Edited by junkyour925
BobWang

BobWang

Posted
Posted

If you backdoor your Equifax report or have ever signed up for EC (Equifax Complete) then chances are you are on the C* block.

 

Does having and cancelling Equifax Score Watch put someone on the chopping block, same as EQ Complete?

Yes

  • 2 weeks later...
  • 2 weeks later...
BinaryMan

BinaryMan

Posted
Posted

If I use USAA for daily pulls and I also have myFico (to monitor the real score not the FAKO, or is that not worth it?), and I plan to keep these for awhile (not the one month shot B*) the Equifax and Transunion (but not Experian) hard INQ should fall off if I just keep pulling all reports daily for a few months, correct ? This combination should not experience C* as long as these are the only two services that I have subscribed to ?

  • 8 months later...
cv91915

cv91915

Posted
Posted

Hi folks, Is it possible to use bumpage to delete a brand new inquiry on Equifax in 2 or 3 days max?

Thanks in advance :)

Not unless you can find a few dozen new daily pullers that no one has discovered/reported prior to today.

john100

john100

Posted
Posted

 

Hi folks, Is it possible to use bumpage to delete a brand new inquiry on Equifax in 2 or 3 days max?

Thanks in advance :)

Not unless you can find a few dozen new daily pullers that no one has discovered/reported prior to today.

Thank you

  • 3 weeks later...
the_dude

the_dude

Posted
Posted (edited)

got a dumb question or two, but i have been reading, and reading some more, and all the shorthand gets me confused. when you guys put EC i know it means equifax complete. but is that the advantage or premier product you are referencing? also for CS i understand you need an AMEX card, would one of the secured or prepaid AMEX products work? i know it might be a long shot, but they do claim it has all the benefits of membership...

Edited by the_dude
  • 2 weeks later...

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