dummett205

TU is my next target , just signed up for SC . Fingers crossed I don't understand why some people have a problem being b* in between chop dates even with just two pullers. I used usaa and mpm plus did multiple mck trials and for the past few days added multiple identity guard trials. I also had sc for tu b* and did multiple ins quotes. The sc was a waste of money for me though because usaa and mpm left more than one soft per month on tu despite what others were saying. Will post proof when I get home.

Totally clean on eq and tu in less than a month

Totally Clean TU! 10 three weeks ago Down 10 to 6 on EQ

its a credit monitoring service used by MCK (my credit keeper)

b* happens so quickly on TU. went from 8 saturday to 3 today just started pulling 9/10 had 19 softs then. now 61

it reports at the beginning of the month using the account status from the last day of the previous month

I can also confirm MCK leaves a daily soft...while i was able to use it. it left a soft everyday on my TU report

That is known TU system behavior. All hards and softs from one day disappear the second day and reappear the third day. That is why there is a 2 day delay in TU B*. So i guess this explains why i have 58 softs and 8 hards, total 66, and haven't seen any B*. Or is it 63 softs needed? I'm going to guess that 3 or more of those softs really don't count towards B*. no used the counter and hand counted all those with permissable purpose both came up to 58

That is known TU system behavior. All hards and softs from one day disappear the second day and reappear the third day. That is why there is a 2 day delay in TU B*. So i guess this explains why i have 58 softs and 8 hards, total 66, and haven't seen any B*. Or is it 63 softs needed?

Not a myth, it doesn't happen the same as EQ. It happens once a year and hards are reinserted at the same time. Okay but my softs disappear sometimes and come back. or they don't show up at all or days later...is this a chop or some glitch in TUs system

I've heard transunion chop is a myth..Its not i get chopped down to 52 softs everyday!

I haven't been chopped, have there been any more recent reports of C*. I'm only 25 and have a very thin file..I believe I've ready several times before a lot of young people have not been getting chopped...I just started doing triple pullers about a week ago and now I'm blocked from MCK...Now I'm scared all my pulling will put me on the chopping block for the next round

Iadvance definitely works to improve your credit....They take a while to report (a few months for me). The CL fluctuates depending on your direct deposit amounts and your utilization of the LOC. They report as a line of credit and always report your balance as it stands for the end of the month. They take the amount you owe out of your next direct deposit so unless you lose your job or cancel direct deposit its pretty impossible to miss a payment

MCK isn't a daily puller anymore from what I'm told & I don't want to go through the hassle of using different card combos just to keep it going. Isn't MPM & USAA enough for EQ B* ? Yes, just be patient and it will happen during a chop free month. i disagree. i think you need 3. i dont think we'll see a chop free month anymore. and yeah you create a new account and delete the old one everyday with mck. the whole process takes less than 5 minutes a day. i use 2 email addies and rotate 4 cards. but i will stop after the next 2 days when the remaining inqs are gone. you do not even need to use your real email address, as you can just make one up and forget about it. All you need to do is remember the number in order to cancel. I'm using virtual accounts and then closing them down after i pull the report. i dont need to worry about canceling right? or any backlash

MCK allows you to have as many accounts as you have credit cards to sign up with. so technically then i can create as many virtual cards as i want and rape MCK? I often wonder if MCK can come back at you when that card is declined and claim you owe them money. I guess it all depends on what the fine print says. i highly doubt that if its declined they just cut you off from going beyond the thrity day trial period