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BobWang

The Master Equifax & TransUnion B* Bumpage Thread

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If we can limit this thread to just screenshots and counts, it should be educational for many.

 

Too late. :(

We do tend to ramble on, don't we? :P

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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.

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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.

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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.

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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.

 

Ditch CCT. Then when you get CS, you will have the trifecta.

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I have been pulling for 5-6 months on a daily basis

 

How many credit-report pulling services are you using? Which ones?

 

Just CCT.

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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!

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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

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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.

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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?

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The key with TransUnion is to only count the ones that have "Permissible Purpose"

e.g. There are only 2 on this page that help bumpage:

 

TUInq2010-01-17Page06.jpg

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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.

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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! :)

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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.

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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

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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. ;)

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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

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Do insurance quote inquiries count toward *B? They show up on my TU report as permissible purpose/insurance underwriting.

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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.

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like Bob said it tends to

Teaches you to listen to ME. :P

cm2010 is the REAL TU guru. :blink:

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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.

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