MISSED THIS???---->Please Read Before Posting - NEWBIES START HERE
yes, yes, I've been through probably more of that than most newbies actually read when they show up, and I frequently refer back to it... the "B" or "B*" thing is just something I've consistently missed or been unable to find...
and when I go digging in the glossary's or dictionaries, it's defined as "bump" as in "to move your post to the top of the list.
B does mean bump. Meaning that when you pull your credit daily, the soft inquiries generated will eventually "bump" off hard ones. On TU and EQ ONLY.
That is the main reason I use TC, to get rid of the Inqs. But I'm also obsessive about checking for changes in my reported balances, watching for new accounts to begin reporting, and waiting for items to be removed during a dispute.
If you're just starting out, I recommend getting your FICO scores so you have a baseline to work from, as was stated previously. Then it's up to you how often you purchase them after that.
If you want to keep a close eye on your reports for monitoring or other reasons, and you would like to get the B benefits from daily pulls, sign up for TC too.
FYI, there is quite a bit of info around here about B, and lots of newbie posts on the subject too, so some of the old-timers tend to get a bit testy when you ask again.
We need to remember that to be successful in our credit repair we need to begin by acquiring a lot of knowledge. This isn't about newbies against old timers and not wanting to help out and getting testy. There are 2 reasons I feel that as you put it some cb member get testy #1 When this question is asked, the implications are that the newbie has not started with the newbie area, because the question of *B* is explained there. IF a member has not thoroughly read that area, then he/she will not be adequately prepared for everything that lies ahead in their credit repair process. I know, I've been there, and I spent hours scouring those pages, taking notes and rereading before even attempting to start. #2 There are trolls from the credit industry that read these boards too and it could be quite possible that the *B* process will be done away with. Remember, B doesn't work for EX. While I don't consider myself and old timer, I do understand the need for all of us to read the newbie section thoroughly. I didn't understand everything the first time I read it and maybe that's why it took me some time to get through it but it definately is worth it! This board and members like George have assisted me in making my credit repair process successful. But I did my homework also and it wasn't easy but after 15 months, we bought our house and I am now in prime coutnry after years of bad credit he#^!