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I just needed to ask a question for clarification. In all my reading I see that is is advised to avoid Backdoor and Disputes while involved in B*. Now I would think from a technical standpoint that an additional SP would assist in your journey of B*, though I don't know what a dispute would do and for that matter what an additional SP does during B* via BD, please advise. Thnaks

I need some serious guidance from the pros, so I listed Bob Wang in my tags, and this is a plea to all BIs out there! I'm facing some of those Unintended Consequences. I'm losing closed, positive TLs -- they're dropping like flies. I use EQ's monitoring service, and I've read a ton about B* and C*, and I've got a pretty good grasp on the how and why. I am one of those who has not (for some unknown reason) ended up on the C* block, but I really wish they'd PUT me on it! I actually used that service, alone, to B* 13 INQs off of EQ last year. That's wonderful...right? Except that later in 2013, I started having issues with my file being too large, and I could no longer pull from EQ Complete. I made numerous calls, and EQ & the outside monitoring vendor both kept pointing the finger at the other one. Finally, when I was trying to cancel the service, someone panicked and fixed it, so that I could use the service again for daily pulls. I didn't use it much for a couple of months, but I'm in the middle of Why Chat's HIPAA program for my last two baddies, and I THOUGHT this issue was fixed...so I use the dang service I'm paying for! (Silly me... ) Fast forward to this morning, and I realize my FAKO (yes, only useful to indicate change, and the 12 points caused me to look closely to find the issue) dropped because I lost 2 old Citi student loan TLs and an old paid auto loan TL (all perfect payment history.) Looking back at 2013-Q3, I've lost a total of 4 positive TLs from EQ -- all closed installment loans. The two SLs I lost today from Citi can probably be reinserted by Citi (closed in 2011 and still occasionally update) -- but I worked HARD to get several lates removed from those lines last year, and I want them back! I'm planning to call EQ today to check AGAIN if it's a split file issue, but I'm betting they're going to tell me the same story -- it isn't a split file and STOP pulling your file so often. I told them the last time that they shouldn't sell an "unlimited pulls" service if they're going to admonish me for using it as such. It may come down to a complaint to the CFPB, because there is a specific option under the "submitting a complaint" section (sub-option under credit reporting) that is directed at credit monitoring services. Your thoughts and suggestions...?