Jump to content
Member? but forgot everything, can't log in... Frozen out??? ×

THIS IS A POLITICS-FREE ZONE.

The Master Equifax & TransUnion B* Bumpage Thread

BobWang

By BobWang,
in Credit Forum

 Share

The last post in this topic was posted 3335 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts


  • Replies 16.8k
  • Created
  • Last Reply

Top Posters In This Topic

Popular Days

Top Posters In This Topic

Popular Days

Popular Posts

ubercat
ubercat

Don't be a ding-a-ling.

texaninfl7115

texaninfl7115

Posted
Posted
I've managed to b* three hards off my TU report but haven't seen squat on EQ yet

If you have been using CCT, CS, or USAA-CCMP daily for 3 months, and not seeing any credit card hards drop, you are being chopped.

 

I've been using CCT since January but just recently added USAA-CCMP last week. Guess it will take a bit more time to make an impact on EQ.

CCT and USAA-CCMP work against each other with Equifax.

IOW, even though you pull both, only one soft inquiry is recorded each day.

CCT and USAA-CCMP work together for TransUnion bumpage, and you get 2 softs per day.

 

Hmmm, so I take it I would need to ditch USAA-CCMP and start using MPM. I got my MPM enrollment materials in the mail today.

Link to comment
Share on other sites
BobWang

BobWang

Posted
  • Author
Posted
I've managed to b* three hards off my TU report but haven't seen squat on EQ yet

If you have been using CCT, CS, or USAA-CCMP daily for 3 months, and not seeing any credit card hards drop, you are being chopped.

 

I've been using CCT since January but just recently added USAA-CCMP last week. Guess it will take a bit more time to make an impact on EQ.

CCT and USAA-CCMP work against each other with Equifax.

IOW, even though you pull both, only one soft inquiry is recorded each day.

CCT and USAA-CCMP work together for TransUnion bumpage, and you get 2 softs per day.

 

Hmmm, so I take it I would need to ditch USAA-CCMP and start using MPM. I got my MPM enrollment materials in the mail today.

You don't have to ditch either, just know they only place one soft a day on Equifax.

Link to comment
Share on other sites
texaninfl7115

texaninfl7115

Posted
Posted
I've managed to b* three hards off my TU report but haven't seen squat on EQ yet

If you have been using CCT, CS, or USAA-CCMP daily for 3 months, and not seeing any credit card hards drop, you are being chopped.

 

I've been using CCT since January but just recently added USAA-CCMP last week. Guess it will take a bit more time to make an impact on EQ.

CCT and USAA-CCMP work against each other with Equifax.

IOW, even though you pull both, only one soft inquiry is recorded each day.

CCT and USAA-CCMP work together for TransUnion bumpage, and you get 2 softs per day.

 

Hmmm, so I take it I would need to ditch USAA-CCMP and start using MPM. I got my MPM enrollment materials in the mail today.

You don't have to ditch either, just know they only place one soft a day on Equifax.

 

I understand that but since they counteract each other I think only one of them is really necessary. Don't feel like wasting the money. It just makes sense to ditch one of them.

Link to comment
Share on other sites
mrj0

mrj0

Posted
Posted

Could someone PM me with an explanation of B*? I'm on several credit forums and never heard of it tonight, and I can't find info on it anywhere. I also can't keyword search for it as it complains about the term being under 3 chars. Thanks!

Link to comment
Share on other sites
GusJen

GusJen

Posted
Posted

PRM-7TH AVENUE 11/06/09, 06/22/09

PRM-DM SERVICES-ASHRO 07/17/09

AR-BENEFICIAL/USCL 01/15/10

AR-CAPITAL ONE 01/05/10

PRM-CAPITAL ONE - RTPM 11/13/09, 07/03/09

CIC/EXPERIAN ALRTS 11/11/09

AR-CITIFINANCIAL 10/30/09

PRM-CNTRY DOOR 07/21/09

CREDITEXPERT 1-866-673-0140 02/17/10, 02/16/10, 02/15/10, 02/14/10, 02/13/10, 02/12/10, 02/11/10, 02/10/10, 02/09/10, 02/08/10, 02/07/10, 02/06/10, 02/05/10, 02/04/10, 02/03/10, 02/02/10, 02/01/10, 01/31/10, 12/31/09, 11/30/09

PRM-DIRECTV-PRESCREENS 03/23/09

EQUIFAX INFO SVCS. 02/01/10, 12/16/09

EQUIFAX 02/17/10, 02/09/10, 02/06/10, 02/05/10, 02/01/10, 01/14/10, 12/08/09, 10/23/09

EQUIFAX 01/14/10

ND-EQUIFAX 02/17/10, 02/09/10, 02/05/10, 02/01/10, 01/14/10, 12/08/09

ND-EQUIFAX 02/09/10, 02/05/10, 02/01/10

ND-EQUIFAX 10/23/09

EQUIFAX INFO SVCS. 02/05/10

EQUIFAX INFORMATION SVS 02/09/10, 12/08/09

FAIR ISAAC 02/05/10, 01/15/10

PRM-FINGERHUT/CIT 11/04/09, 10/02/09, 09/09/09, 05/22/09, 05/05/09, 03/31/09

PRM-FIRST PREMIER BANK PROMO 10/27/09

PRM-GINNY'S 11/16/09, 07/17/09, 04/21/09

ND-HSBC BANK 02/03/10

AR-HOUSEHOLD BANK 01/15/10

AR-MIDNIGHT 11/10/09

PRM-MON & MON 07/17/09

WASHINGTON MUTUAL 07/15/09, 05/29/09

 

I think I have 47 that count. I got chopped the very next day after I pulled EQ backdoor.

 

I only have CCT...will MPM help me? I don't have an AMEX

Link to comment
Share on other sites
BobWang

BobWang

Posted
  • Author
Posted
PRM-7TH AVENUE 11/06/09, 06/22/09

PRM-DM SERVICES-ASHRO 07/17/09

AR-BENEFICIAL/USCL 01/15/10

AR-CAPITAL ONE 01/05/10

PRM-CAPITAL ONE - RTPM 11/13/09, 07/03/09

CIC/EXPERIAN ALRTS 11/11/09

AR-CITIFINANCIAL 10/30/09

PRM-CNTRY DOOR 07/21/09

CREDITEXPERT 1-866-673-0140 02/17/10, 02/16/10, 02/15/10, 02/14/10, 02/13/10, 02/12/10, 02/11/10, 02/10/10, 02/09/10, 02/08/10, 02/07/10, 02/06/10, 02/05/10, 02/04/10, 02/03/10, 02/02/10, 02/01/10, 01/31/10, 12/31/09, 11/30/09

PRM-DIRECTV-PRESCREENS 03/23/09

EQUIFAX INFO SVCS. 02/01/10, 12/16/09

EQUIFAX 02/17/10, 02/09/10, 02/06/10, 02/05/10, 02/01/10, 01/14/10, 12/08/09, 10/23/09

EQUIFAX 01/14/10

ND-EQUIFAX 02/17/10, 02/09/10, 02/05/10, 02/01/10, 01/14/10, 12/08/09

ND-EQUIFAX 02/09/10, 02/05/10, 02/01/10

ND-EQUIFAX 10/23/09

EQUIFAX INFO SVCS. 02/05/10

EQUIFAX INFORMATION SVS 02/09/10, 12/08/09

FAIR ISAAC 02/05/10, 01/15/10

PRM-FINGERHUT/CIT 11/04/09, 10/02/09, 09/09/09, 05/22/09, 05/05/09, 03/31/09

PRM-FIRST PREMIER BANK PROMO 10/27/09

PRM-GINNY'S 11/16/09, 07/17/09, 04/21/09

ND-HSBC BANK 02/03/10

AR-HOUSEHOLD BANK 01/15/10

AR-MIDNIGHT 11/10/09

PRM-MON & MON 07/17/09

WASHINGTON MUTUAL 07/15/09, 05/29/09

 

I think I have 47 that count. I got chopped the very next day after I pulled EQ backdoor.

 

I only have CCT...will MPM help me? I don't have an AMEX

You only have 23, the ones I've highlighted.

*IF* you stay away from the backdoor, and don't get chopped again, CCT alone may be sufficient.

Link to comment
Share on other sites
My life is a mess

My life is a mess

Posted
Posted

These are my hard and soft inquiries from TU. I sorted them to make it easier to count.

 

 

0635 EQUITY HUDSON via FACTUAL DATA-NATIONAL 08 hard My Apartment

BARCLAYS BANK DELAWARE 09 hard

BARCLAYS BANK DELAWARE 09 hard

BARCLAYS BANK DELAWARE 1/5/10 hard

BARCLAYS BANK DELAWARE 2/12/10 Hard

CAPITAL ONE BANK USA NA 08 hard

CAPITAL ONE BANK USA NA 09 hard

ERS 08 hard

MERRICK BANK 2/24/08 hard

NATIONWIDE BANK 09 hard

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

ARROW FINANCIAL SERVICES

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CAPITAL ONE BANK USA NA

CHASE

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMER INFO.COM

CONSUMERINFO.COM

CONSUMERINFO.COM

CONSUMERINFO.COM

CONSUMERINFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

CONSUMERINFO via CONSUMER INFO.COM

ER SOLUTIONS

FACTACT FREE DISCLOSURE

FICO SCORE & TU REPORT

FICO SCORE & TU REPORT

FICO SCORE & TU REPORT

FICO SCORE & TU REPORT

FICO SCORE & TU REPORT

FICO SCORE & TU REPORT

FICO SCORE & TU REPORT

GEMB/DILLARDS

GEMB/DILLARDS

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MERRICK BANK

MY NAME via TRANSUNION INTERACTIVE I

My Name via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

NATIONWIDE BANK

NCO FINANCIAL SYSTEMS

STERLING JEWELERS / CRED

STERLING JEWELERS / CRED

STERLING JEWELERS / CRED

STERLING JEWELERS / CRED

STERLING JEWELERS / CRED

STERLING JEWELERS / CRED

WELLS FARGO CORP CON CR

 

I counted 29 towards B*

 

13 ConsumerCredit via CIC

16 ConsumerCredit

 

Can anyone verify if this is correct?

Link to comment
Share on other sites
BobWang

BobWang

Posted
  • Author
Posted
MY NAME via TRANSUNION INTERACTIVE I

My Name via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

If these have "Permissible Purpose" they count.

Somewhat surprising that you have so many of these.

Mine are chopped down to 2 apiece.

They may count for as much as 4, but probably at least 2 more.

Link to comment
Share on other sites
GonnaGetEm

GonnaGetEm

Posted
Posted
MY NAME via TRANSUNION INTERACTIVE I

My Name via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

If these have "Permissible Purpose" they count.

Somewhat surprising that you have so many of these.

Mine are chopped down to 2 apiece.

They may count for as much as 4, but probably at least 2 more.

 

They do? Then I have to do a recount! :)

Link to comment
Share on other sites
BobWang

BobWang

Posted
  • Author
Posted
MY NAME via TRANSUNION INTERACTIVE I

My Name via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

MY NAME via TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

TRANSUNION INTERACTIVE I

If these have "Permissible Purpose" they count.

Somewhat surprising that you have so many of these.

Mine are chopped down to 2 apiece.

They may count for as much as 4, but probably at least 2 more.

 

They do? Then I have to do a recount! :lol:

Don't get too excited, GGE, TransUnion services do a good job of cleaning up after themselves, and usually only leave 1 inquiry that counts. ;)

cm2010 did an AWESOME study on TU inquiries, and why they behave the way they do.

Link to comment
Share on other sites
GonnaGetEm

GonnaGetEm

Posted
Posted (edited)
TU (the ones I think might count):

 

CONSUMERINFO via CONSUMER INFO.COM = 14

CONSUMER INFO.COM = 5

[me] via KARMA/TRANSUNION INTERAC = 2

AFFINION - PRIVACYGU via CREDCO (Credit Keeper, I presume) = 1

Total = 22

 

TUsofts216.jpg

TUsofts216B.jpg

TUsofts216C.jpg

TUsofts216D.jpg

 

Above 22, PLUS:

 

TRANSUNION INTERACTIVE I = 4

[me] via TRANSUNION INTERACTIVE I = 1

 

TOTAL = 27

 

.. I think?

 

edit - aw, Bob shot me down in my excitement before I had a chance to finish counting. oh well, it's good practice and learning experience. And now I have something to go poking around looking for! Thanks for mentioning that, I won't be getting off the computer tonight any more than last night... :lol:

Edited by GonnaGetEm
Link to comment
Share on other sites
BobWang

BobWang

Posted
  • Author
Posted
Above 22, PLUS:

TRANSUNION INTERACTIVE I = 4

[me] via TRANSUNION INTERACTIVE I = 1

 

TOTAL = 27

 

.. I think?

 

edit - aw, Bob shot me down in my excitement before I had a chance to finish counting. oh well, it's good practice and learning experience. And now I have something to go poking around looking for! Thanks for mentioning that, I won't be getting off the computer tonight any more than last night... :lol:

GGE:

Those are actually VERY promising, notice you have 2 from January and 2 from February.

I bet those count as 4 towards the magic 66.

So, you only have 40 more pulls before we find out. ;)

Link to comment
Share on other sites
creditmonitor2010

creditmonitor2010

Posted
Posted (edited)
Above 22, PLUS:

 

TRANSUNION INTERACTIVE I = 4

[me] via TRANSUNION INTERACTIVE I = 1

 

TOTAL = 27

 

.. I think?

 

edit - aw, Bob shot me down in my excitement before I had a chance to finish counting. oh well, it's good practice and learning experience. And now I have something to go poking around looking for! Thanks for mentioning that, I won't be getting off the computer tonight any more than last night... :lol:

 

Could you do us a favor? Tomorrow, before you do any pulls, could you get your TU again and post it here. I am curious to see how many "via TRANSUNION INTERACTIVE I"/Credit Karma remain.

Edited by creditmonitor2010
Link to comment
Share on other sites
GonnaGetEm

GonnaGetEm

Posted
Posted
Above 22, PLUS:

 

TRANSUNION INTERACTIVE I = 4

[me] via TRANSUNION INTERACTIVE I = 1

 

TOTAL = 27

 

.. I think?

 

edit - aw, Bob shot me down in my excitement before I had a chance to finish counting. oh well, it's good practice and learning experience. And now I have something to go poking around looking for! Thanks for mentioning that, I won't be getting off the computer tonight any more than last night... :lol:

 

Could you do us a favor? Tomorrow, before you do any pulls, could you get your TU again and post it here. I am curious to see how many "via TRANSUNION INTERACTIVE I"/Credit Karma remain.

 

Ok, sure.

 

By the way, I suggested awhile back that Credit Karma wasn't overwriting itself like Bob said it tends to - I was sort of wrong. It seems to always leave two inqs.. not one, but not one per day either. Odd.

Link to comment
Share on other sites
creditmonitor2010

creditmonitor2010

Posted
Posted
Ok, sure.

 

By the way, I suggested awhile back that Credit Karma wasn't overwriting itself like Bob said it tends to - I was sort of wrong. It seems to always leave two inqs.. not one, but not one per day either. Odd.

 

I am guessing that today you pulled Credit Karma before you got your TU report? If so, I think there will be only one entry tomorrow.

Link to comment
Share on other sites

The last post in this topic was posted 3335 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Guest
This topic is now closed to further replies.
 Share
Go to topic listing



  • Member Statistics

    • Total Members
      189316
    • Most Online
      2046
    GoGeter2
    Newest Member
    GoGeter2
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Pages

×
×
  • Create New...

Important Information

Guidelines

  I accept