The Master Equifax & TransUnion B* Bumpage Thread

[junkyour925]

is EQ B* 84 or 85?<br><br>I have the threshold at 84 in my spreadsheet but that might be the old #<br>

85

kinda what I thought (observed)...I'll have to update the spreadsheet to 85...

 

thanks

[BobWang]

FIFO (First In First Out)

There are two exceptions with EQ:

 

1) During a single calendar date they go LIFO instead of FIFO. So any time you apply for an EQ puller, it's good practice to pull all your softies first. It will save you a day of B*.

 

But it's still FDIFDO ((First Date In First Date Out).

 

2) Stickies are stuck. But there's no point worrying about this because there's nothing you can do about them anyway (except not get them in the first place).

 

Adding FDIFDO to the B* lexicon.

[junkyour925]

man u guys got this down to a science...right down to the hour practically...we probably know more about EQ's IT system than their own IT staff...which has probably been outsourced to India

Edited August 14, 2012 by junkyour925

[Wired All Wrong]

Accomplished! I am inquiries free!

Edited August 14, 2012 by Wired All Wrong

[CoderBlix]

Thinking I should have had some INQs fall off by now...hoping I do not have a bunch of hard stickies. Can someone provide some expertise???

 

Here is ctb's counter results from this morning:

• Total confirmed softs found: 83
• FAIR ISAAC: 07/31/12, 06/01/12, 01/21/12 (3)
  
• Total unconfirmed softs found: 3

Total possible softs found: 86

 

 

 

 

Here are my current softs:

AR-CAPITAL ONE 05/21/12

 

AR-CAPITAL ONE 05/17/12

 

PRM-CAPITAL ONE - RTPM 05/11/12

 

CASHEDGE EIDCOMPARE 07/25/12

 

AR-CD-INTERSECTIONS 04/10/12

 

CIC/EXPERIAN RPTS 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12

 

AR-CITIBANK NA 07/25/12

 

AR-CITI CARDS CBNA 08/10/12

 

CREDITEXPERT 1-866-673-0140 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12

 

PRM-DIRECTV-PRESCREENS 12/08/11

 

PRM-EIS/NC+ DIRECTV 03/13/12

 

EQUIFAX 02/27/12

 

EQUIFAX 03/22/12

 

EQUIFAX 02/27/12

 

ND-EQUIFAX 03/22/12

 

Equifax Consumer Services 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12

 

ND-Equifax Consumer Services 08/14/12

 

ND-Equifax Consumer Services 08/14/12

 

EQUIFAX INFORMATION SVS 08/08/12, 04/05/12

 

EQUIFAX INFO SVCS. 03/27/12

 

FAIR ISAAC 07/31/12

 

FAIR ISAAC 06/01/12, 01/21/12

 

FIDELITY BROKERAGE SERVICES 07/06/12

 

AR-FIFTH THIRD BANK-PRESCREEN 05/29/12

 

ND-FUNDING SUITE :: 07/23/12, 04/23/12

 

PRM ONL-GECRB/SAM'S CLUB 10/08/11

 

AR-HOUSEHOLD BANK 04/26/12

 

PRM-HOUSEHOLD BANK 04/26/12, 03/29/12, 03/01/12, 01/26/12, 08/24/11

 

ND-LIBERTY MUTUAL INSURANCE CO:: 04/10/12, 02/21/11

 

 

 

 

Here are my current hards:

 

• CITIBANK NA 07/24/12
• CREDSTAR ::02/23/12
• CREDCO AUTOMOTIVE ::01/08/11
• FUNDING SUITE ::03/30/12, 02/27/12
• SETTLEMENTONE ::03/14/12

[road2freedom]

All clear after another successful B*

 

Somewhat interesting finds and a bit of confirmation from previous discussions

 

• ANDERA - still not counting for me
• EQUIFAX - definitely not counting for me
• I have a loner Equifax Consumer Services from 2/7/12 that does not count. It's easy to find because it's on a separate row.
• GEMB/WALMART - DEBIT CARD does not count. I assume this was from my CC application
• 2 of the FCs were still alive as of last week and each soft counted. They are a bit of work and somewhat limited use though.

[donjon]

Hello. I've experienced some nice B* on Transunion: had 7 now I'm down to 1 which is scheduled to be dropped around the 30th or so this month. Now I'm experiencing B* on Equifax: had 4 down to 2. But I'm still not sure how to calculate on Eq. My softs are:

 

ANDERA 06/23/12

ND-CAPITAL ONE/HSBC 09/06/10

CD-INTERSECTIONS 06/11/12

CONSUMERINFO 06/22/12

CIC/EXPERIAN ALRTS 06/09/12

FIRST ADVANTAGE CREDCO 06/18/12

FIRST ADVANTAGE CREDCO/ 06/16/12

CREDITEXPERT 1-866-673-0140 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12, 07/18/12, 07/17/12, 06/30/12

EQUIFAX 06/14/12, 06/07/12, 05/08/12

EQUIFAX 05/20/12

EQUIFAX 04/26/12

ND-EQUIFAX 04/26/12, 07/24/11

EQUIFAX INFO SVCS. 06/18/12, 06/12/12, 05/21/12, 09/01/10

Equifax Consumer Services 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 04/30/12

ND-Equifax Consumer Services 08/14/12

ND-Equifax Consumer Services 07/24/12

ND-Equifax Consumer Services 07/24/12

ND-Equifax Consumer Services 04/30/12

ND-Equifax Consumer Services 07/31/11

EQUIFAX INFORMATION SVS 06/20/12, 06/15/12

FAIR ISAAC 06/22/12

ND-FAIR ISAAC 07/24/11

ND-FIFTH THIRD BK/ DDA 06/08/12

INTERSECTIONS 06/11/12

TRUECREDIT/COVERDELL MY 07/26/12

TRUECREDIT/CHASE 06/11/12

TRUECREDIT/TUS 06/16/12

TRUECREDIT/TUS 06/16/12

TRUECREDIT/VERTRUE 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12

 

Now for the last 2 they were for cc from a bank that shouldn't have pulled 2 hards on me: I applied for a secured. I was denied credit because the salamander clerk at the bank pulled for a REGULAR cc which I knew well I wouldn't be qualified for. So long story short we fill out an app for the secured and he sent it in and a few days later they pulled another one. It's fine coz I was going to B* for eq anyways so that was the good part that they pulled eq for both. Those are my last 2 that I'm trying to bump now. The problem I'm having is how do I use the counter to calculate the softs AFTER these last 2 without manually counting from those 2 days? The counter stated: Total confirmed softs found: 77, Total unconfirmed softs found: 4, Total possible softs found: 81. Another problem I have is that since I started the bumping process for eq the 'Total confirmed softs found' and 'Total possible softs found' have consistently stated 3 and 3 more for the next day: whatever the number for both it is always 3 more from the previous day because I am using 3 pullers: Usaa, MPM, EC. But today the 'Total confirmed softs says exactly 3 from the previous day: 68 yesterday to 71 today but my 'Total possible softs was 1 more for today instead 3 more: 80 yesterday and today 81. Why is the last reporting 1 more for today instead of 3 more? Shouldn't it state 83 instead of 81? Am I missing somethin? Thank u all for your valuable help and expertise.

Edited August 15, 2012 by donjon

[junkyour925]

donjon

what are the dates of the 2 hards?

[ericgunit]

Went from 8 to 3 and should have the rest off by the end of the week (crossing fingers). Haven't had to do B* in a long while. This was fun

[junkyour925]

the hards/softs that are dated after the hard u r looking to get rid of count, those that come before don't.

 

softs from some services like CK will always remain but just the last two days or so as they are pruned to that amount daily.

Edited August 15, 2012 by junkyour925

[donjon]

donjon

what are the dates of the 2 hards?

 

 

Thank u junk for replying. the dates are: 7/17/12 & 7/23/12. Thanx again junk.

[junkyour925]

donjon

what are the dates of the 2 hards?

 

 

Thank u junk for replying. the dates are: 7/17/12 & 7/23/12. Thanx again junk.

 

you probably haven't accumulated enough after those dates/hards and before the next chop (next week) so you'll have to wait until the next B* month period starts and begin attacking them then.

 

for EQ usually u load up on the hards prior to the opening of the B* period (right after C* has happened) and then you pull like madman.

 

TU you can get a hard at anytime and just keep pulling non stop with SC until it goes away after 56 pulls.

[donjon]

donjon

what are the dates of the 2 hards?

 

 

Thank u junk for replying. the dates are: 7/17/12 & 7/23/12. Thanx again junk.

 

you probably haven't accumulated enough after those dates/hards and before the next chop (next week) so you'll have to wait until the next B* month period starts and begin attacking them then.

 

for EQ usually u load up on the hards prior to the opening of the B* period (right after C* has happened) and then you pull like madman.

 

TU you can get a hard at anytime and just keep pulling non stop with SC until it goes away after 56 pulls.

 

Thanx junk. You've been very helpful.

[cheafie]

I had a USAA auto loan HARD inquiry B*'d today. Thought for sure it was a sticky.

 

FYI

[BDK]

donjon

what are the dates of the 2 hards?

 

 

Thank u junk for replying. the dates are: 7/17/12 & 7/23/12. Thanx again junk.

 

you probably haven't accumulated enough after those dates/hards and before the next chop (next week) so you'll have to wait until the next B* month period starts and begin attacking them then.

 

for EQ usually u load up on the hards prior to the opening of the B* period (right after C* has happened) and then you pull like madman.

 

TU you can get a hard at anytime and just keep pulling non stop with SC until it goes away after 56 pulls.

 

It's entirely possible, I just knocked off a 7/24.

 

ETA: Keep pulling, you'll make it easily!

Edited August 16, 2012 by Bad Debt King

[donjon]

donjon

what are the dates of the 2 hards?

 

 

Thank u junk for replying. the dates are: 7/17/12 & 7/23/12. Thanx again junk.

 

you probably haven't accumulated enough after those dates/hards and before the next chop (next week) so you'll have to wait until the next B* month period starts and begin attacking them then.

 

for EQ usually u load up on the hards prior to the opening of the B* period (right after C* has happened) and then you pull like madman.

 

TU you can get a hard at anytime and just keep pulling non stop with SC until it goes away after 56 pulls.

 

It's entirely possible, I just knocked off a 7/24.

 

ETA: Keep pulling, you'll make it easily!

 

Hey BDK, how did u achieve yours? Are u using 3 pullers? Thanx for the encouragement!

[junkyour925]

BDK is right you should make it. Looks like your last chop was the 17th so you have to get there by the 21st

[cputrwz]

Yea depends on what state your in too and when you will get chopped. I just bumped a 7/26 a few minutes ago. I'm using 4 pullers though and I'm in VA. So, I will be one of the last to get the axe.

[donjon]

Thanx guys. I would have EASILY made it if it hadn't been for a day I totally missed by accident! The 17th I'm not worried about, I'll make that one just fine even with that one day I missed from my 3 pullers. It looks like I maybe off by 1 for the 23rd. I may just end up buying an eq myfico for the last one. Hey, what do u guys think. Those pulls I made on the 23rd along with the credit card app I made on the same day. I'm not sure but do those pulls on the same day as the cc app count because of it being on the same day or is eq so anal as to the exact time of the app in relation to the pulls for that day? For example if I did my pulls at 9am but the cc company didn't pull til noon on the same day will those pulls for that specific day not count because of me not pulling until AFTER I applied for the cc? I know I'm shooting for stars here but this maybe the deciding factor in me keeping EC and MPM. I got the EC during the month trial and I would love to get rid of it before I have to pay. Damn me! Got distracted doing something and I missed a whole freaking day!!! 3 pulls!!!!!! Gosh Darnit!!!!! lol By the way, I'm from Illinois.

Edited August 16, 2012 by donjon

[junkyour925]

from what I've heard you did the same day hard and soft in the right order. Of course both count but in this instance the hard will drop off first then the soft for that day. Intraday is LIFO. Interday is FIFO

[donjon]

Thank u junk.

[shandrewsca]

Shouldn't I be seeing some B* love by now? According to the EQ counter I have 81 good softs. Add my 7 hards and that is 88, yet my three oldest inquiries (softs from CREDITEXPERT and TRUECREDIT/VERTRUE) are still showing?

 

HARD INQUIRIES:

ALLIANT CREDIT UNION 09/22/11

EQUIFAX MORTGAGE SOLUTIONS- ::2729881014 03/14/12

FACUTAL DATA ::2729881014 11/11/11, 09/12/11

ND MR-FACUTAL DATA ::2729881014 11/11/11

SETTLEMENTONE::2729881014 12/01/11, 11/21/11

 

SOFT INQUIRIES:

AR-7TH AVENUE 11/08/11

AR-CAPITAL ONE 07/18/12

AR-CAPITAL ONE 06/18/12

ND-CAPITAL ONE/HSBC 09/05/10

CREDITEXPERT 1-866-673-0140 08/16/12, 08/15/12, 08/14/12, 08/13/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12, 07/18/12, 07/17/12, 07/16/12, 06/30/12, 05/31/12, 04/30/12, 03/19/12, 02/28/12, 01/17/12, 12/26/11, 11/30/11, 10/22/11, 09/27/11, 08/25/11, 07/29/11

ND-DIGITAL FEDERAL CREDIT UNION 07/24/12

EQUIFAX INFO SVCS. 07/27/11, 07/11/11, 03/21/11

EQUIFAX 05/08/12

ND-EQUIFAX 05/08/12, 07/17/11, 06/11/11, 05/23/11, 05/20/11, 03/30/11, 01/18/11

ND-EQUIFAX 05/08/12, 07/17/11, 06/11/11, 05/23/11, 05/20/11, 03/30/11, 01/18/11, 09/08/10

ND-EQUIFAX 02/28/11

EQUIFAX INFO SVCS. 08/03/11, 05/09/11

Equifax Consumer Services 08/16/12, 08/15/12, 08/14/12, 08/13/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/04/12, 08/03/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12, 07/18/12, 07/17/11

ND-Equifax Consumer Services 08/15/12

ND-Equifax Consumer Services 07/18/12

ND-Equifax Consumer Services 07/18/12

ND-Equifax Consumer Services 07/17/11

ND-Equifax Consumer Services 05/17/11

EQUIFAX INFO SVCS. 07/20/11, 04/05/11, 01/18/11

AR-FINGERHUT 04/17/12

AR-GINNY'S 05/08/12

AR-HOUSEHOLD BANK 04/26/12

AR-SEARS/CBSD 07/10/12

TRUECREDIT/VERTRUE 08/16/12, 08/15/12, 08/14/12, 08/13/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 07/17/11

Edited August 16, 2012 by shandrewsca

[BDK]

6 --> 0

[CoderBlix]

Thinking I should have had some INQs fall off by now...hoping I do not have a bunch of hard stickies. Can someone provide some expertise???

 

Here is ctb's counter results from this morning:

• Total confirmed softs found: 83

• FAIR ISAAC: 07/31/12, 06/01/12, 01/21/12 (3)
  
• Total unconfirmed softs found: 3

Total possible softs found: 86

 

 

 

 

Here are my current softs:

AR-CAPITAL ONE 05/21/12

 

AR-CAPITAL ONE 05/17/12

 

PRM-CAPITAL ONE - RTPM 05/11/12

 

CASHEDGE EIDCOMPARE 07/25/12

 

AR-CD-INTERSECTIONS 04/10/12

 

CIC/EXPERIAN RPTS 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12

 

AR-CITIBANK NA 07/25/12

 

AR-CITI CARDS CBNA 08/10/12

 

CREDITEXPERT 1-866-673-0140 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12, 07/19/12

 

PRM-DIRECTV-PRESCREENS 12/08/11

 

PRM-EIS/NC+ DIRECTV 03/13/12

 

EQUIFAX 02/27/12

 

EQUIFAX 03/22/12

 

EQUIFAX 02/27/12

 

ND-EQUIFAX 03/22/12

 

Equifax Consumer Services 08/15/12, 08/14/12, 08/13/12, 08/12/12, 08/11/12, 08/10/12, 08/09/12, 08/08/12, 08/07/12, 08/06/12, 08/05/12, 08/04/12, 08/03/12, 08/02/12, 08/01/12, 07/31/12, 07/30/12, 07/29/12, 07/28/12, 07/27/12, 07/26/12, 07/25/12, 07/24/12, 07/23/12, 07/22/12, 07/21/12, 07/20/12

 

ND-Equifax Consumer Services 08/14/12

 

ND-Equifax Consumer Services 08/14/12

 

EQUIFAX INFORMATION SVS 08/08/12, 04/05/12

 

EQUIFAX INFO SVCS. 03/27/12

 

FAIR ISAAC 07/31/12

 

FAIR ISAAC 06/01/12, 01/21/12

 

FIDELITY BROKERAGE SERVICES 07/06/12

 

AR-FIFTH THIRD BANK-PRESCREEN 05/29/12

 

ND-FUNDING SUITE :: 07/23/12, 04/23/12

 

PRM ONL-GECRB/SAM'S CLUB 10/08/11

 

AR-HOUSEHOLD BANK 04/26/12

 

PRM-HOUSEHOLD BANK 04/26/12, 03/29/12, 03/01/12, 01/26/12, 08/24/11

 

ND-LIBERTY MUTUAL INSURANCE CO:: 04/10/12, 02/21/11

 

 

 

 

Here are my current hards:

 

• CITIBANK NA 07/24/12
• CREDSTAR ::02/23/12
• CREDCO AUTOMOTIVE ::01/08/11
• FUNDING SUITE ::03/30/12, 02/27/12
• SETTLEMENTONE ::03/14/12

 

 

Well...I guess I can answer my own question today....the following are all hard stickies...yuck!!!!!! I bumped off three softs that were dated in July 2012 this morning....and these are all still there...

• CREDSTAR ::02/23/12
• CREDCO AUTOMOTIVE ::01/08/11
• FUNDING SUITE ::03/30/12, 02/27/12
• SETTLEMENTONE ::03/14/12

[junkyour925]

6 --> 0

 

next to sex there is no other better feeling!

 

the best is when you have dozens of them and they all go away in one fell swoop ... that is a true LMAO moment. Especially when you think of the alternative way of doing it via a certified mail request to those hosers begging for them to be removed and then they blow you off by giving you a copy of your report with them still on there. Take that you dorks @ eq!

 

I am still slamming them daily now with merging my wife's file back together. I never give up.

Edited August 16, 2012 by junkyour925