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The Master Equifax & TransUnion B* Bumpage Thread

The last post in this topic was posted 1725 days ago. 

 

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Here is my EQ Counter results:

 


EQ B* Count
CREDITEXPERT 1-866-673-0140:
09/16/13, 09/15/13, 09/14/13, 09/13/13, 09/12/13, 09/11/13, 09/10/13,
09/09/13, 09/08/13, 09/07/13, 09/06/13, 09/05/13, 09/04/13, 09/03/13,
09/02/13, 09/01/13, 08/31/13, 08/30/13, 08/29/13, 08/28/13, 08/27/13,
08/26/13, 08/25/13, 08/23/13, 08/22/13, 08/21/13, 08/20/13, 08/19/13,
08/18/13, 08/17/13, 08/16/13, 08/15/13, 08/14/13, 08/13/13, 08/12/13,
08/09/13, 08/08/13, 08/07/13, 08/06/13, 08/05/13, 08/04/13, 08/03/13,
08/02/13, 08/01/13, 07/31/13, 07/30/13, 07/29/13, 07/27/13, 07/26/13,
07/25/13, 07/24/13 (51)

EQUIFAX CONSUMER SERVICES:
09/16/13, 09/15/13, 09/14/13, 09/13/13, 09/12/13, 09/11/13, 09/10/13,
09/09/13, 09/08/13, 09/07/13, 09/06/13, 09/05/13, 09/04/13, 09/03/13,
09/02/13, 09/01/13, 08/31/13, 08/30/13, 08/29/13, 08/28/13, 08/27/13,
08/26/13, 08/23/13, 08/22/13, 08/19/13, 08/16/13, 08/15/13, 08/14/13,
08/13/13, 08/07/13, 08/06/13, 08/05/13 (32)

Total confirmed softs found: 83
CSC: 01/28/13, 01/08/13 (2)
Total unconfirmed softs found: 2

Total possible softs found: 85

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Okay everyone, I have a question. I have had 1 hard from USAA fall off but I was due over the last few days for a few more to fall off from CREDCO from my RV shopping. They did not fall off? Any reason why EQ left them there? I am over the 85 pulls needed and below are my soft pulls with the hards. Thanks for the help/advice.

 

The 7/19 and 7/23 CREDCO should have fell off. Note that I have not seen any choppage on my reports yet.

 

 

CAPITAL ONE BANK USA NA

Show Details 09/05/13

CREDCO AUTOMOTIVE::3759090969

Show Details 07/31/13

CREDCO ::3759090969

Show Details 07/23/13

FIRST ADVANTAGE CREDCO ::3759090969

Show Details 07/19/13

PARK NATIONAL BANK

Show Details 07/31/13

AR-CAPITAL ONE NTL ASSOC 08/19/13, 07/17/13, 06/20/13, 05/17/13, 04/17/13, 03/18/13, 02/18/13, 01/22/13, 12/17/12, 11/19/12, 10/17/12, 09/21/12

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

CSC 01/28/13, 01/08/13

DISH NETWORK 10/30/12

EQUIFAX INFO SVCS 08/27/13

EQUIFAX 08/07/13, 05/10/13, 04/29/13

EQUIFAX INFO SVCS. 08/01/13, 07/26/13

EQUIFAX 06/18/13

EQUIFAX 04/29/13, 04/29/13

EQUIFAX 03/23/13, 03/23/13

EQUIFAX 01/04/13

ND-EQUIFAX 01/04/13, 12/20/11, 12/14/11

EQUIFAX INFO SVCS. 08/05/13, 07/31/13, 06/03/13, 05/02/13

Equifax Consumer Services 09/16/13, 09/15/13, 09/14/13, 09/13/13, 09/12/13, 09/11/13, 09/10/13, 09/09/13, 09/08/13, 09/07/13, 09/06/13, 09/05/13, 09/04/13, 09/03/13, 09/02/13, 09/01/13, 08/31/13, 08/30/13, 08/29/13, 08/28/13, 08/27/13, 08/26/13, 08/23/13, 08/22/13, 08/19/13, 08/16/13, 08/15/13, 08/14/13, 08/13/13, 08/07/13, 08/06/13, 08/05/13

ND-Equifax Consumer Services 09/15/13, 09/14/13, 09/13/13, 09/12/13, 09/11/13, 09/10/13, 09/09/13, 09/08/13, 09/07/13, 09/06/13, 09/05/13, 09/04/13, 09/03/13, 09/02/13, 09/01/13, 08/31/13, 08/30/13, 08/29/13, 08/28/13, 08/27/13, 08/26/13, 08/23/13, 08/22/13, 08/19/13, 08/16/13, 08/15/13, 08/14/13, 08/13/13, 08/07/13, 08/06/13, 08/05/13

ND-Equifax Consumer Services 08/01/13

ND-Equifax Consumer Services 08/01/13

EQUIFAX INFORMATION SVS 09/12/13, 08/13/13, 08/11/13, 07/27/13, 07/20/13, 06/19/13, 05/14/13, 01/24/13, 01/15/13, 01/12/13, 01/09/13

EQUIFAX INFO SVCS. 07/08/13

ND-EQUIFAX 08/12/12, 05/11/12

AR-WELLS FARGO EDUCATION FIN SVCS 07/09/13, 04/18/13, 01/23/13, 10/09/12

AR-WELLS FARGO HOME MORTGAGE INC 09/10/13, 06/11/13, 03/05/13, 12/06/12

looks like they are stickies

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A Hard dropped today!! EQ web counter shows 84. So it looks like the NFCU soft pulls count!

NFCU softs do not count for B*. Count up all of your softs from your 3 daily pullers, and you'll see that they add up to over 80.

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Based on what I'm seeing... one of the NFCU softs for 7/9 are counting (they pulled 2 softs on 7/9) but a 3rd one appearing as "DTC-NAVY FEDERAL CREDIT UNION" isn't... Without it, I wouldn't be hitting the magic 85 number... I've so far B* 3 hards.. I've got 2 more to go before C*....

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Could you post your hard and soft Inqs please?

 

EQ Counter showing being counted (84):

 

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

 

DTC-NAVY FEDERAL CREDIT UNION 07/10/13

 

Equifax Consumer Services 09/17/13, 09/16/13, 09/15/13, 09/14/13, 09/13/13, 09/12/13, 09/11/13, 09/10/13, 09/09/13, 09/08/13, 09/07/13, 09/05/13, 09/04/13, 09/03/13, 09/02/13, 09/01/13, 08/31/13, 08/30/13, 08/29/13, 08/28/13, 08/27/13, 08/26/13, 08/25/13, 08/24/13, 08/23/13, 08/22/13, 08/21/13

 

NAVY FCU 07/09/13, 07/09/13

 

TRUECREDIT/COVERDELL MY 08/14/13

 

TRUECREDIT/VERTRUE 09/16/13, 09/15/13, 09/14/13, 09/13/13, 09/12/13, 09/11/13, 09/10/13, 09/09/13, 09/08/13, 09/07/13, 09/05/13, 09/04/13, 09/03/13, 09/02/13, 09/01/13, 08/31/13, 08/30/13, 08/29/13, 08/28/13, 08/26/13, 08/25/13, 08/23/13, 08/22/13, 08/21/13

 

Hards currently appearing:

CBC INNOVIS::3760132410 4/27/2013

CREDIT BUREAU OF DELMARVA::3760132410 05/12/13, 04/28/13

ND MR-CREDIT BUREAU OF DELMARVA::3760132410 6/6/2013

EM QUICKEN ::3760132410 4/24/2013

ND MR-EM QUICKEN ::3760132410 4/24/2013

EMS/ADVANCED FINANCIAL SERVICE::3760132410 4/28/2013

Equifax Mortgage Services::3760132410 4/29/2013

M&T BANK 8/18/2013

PENTAGON FCU 7/13/2013

 

B* Hards:

NAVY FEDERAL CREDIT UNION 7/11/2013

PENTAGON FCU 7/10/2013

HALL AUTO-CJD 1/19/2013

Edited by crabjoe

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The navy softs are not counting otherwise they would have been bumped off before the hards from 7/10 and 7/11.

 

I do come up short on the count though. I only see 83 hard + soft. Can you post the entire soft list from EC?

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ConsumerInfo probably counts.

 

None of the Equifaxes should be counted.

 

A good guide is to just look at the daily pullers that count:

 

DailyPullers2013-05-07_zps755226b2.jpg

 

the chart above shows how the different pullers show up on your report

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/>

So the ones that say Equifax, Equifax Info Services, or Equifax Information Services don't count?

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/>So the ones that say Equifax, Equifax Info Services, or Equifax Information Services don't count?

Correct

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I got chopped last night, lost 60 soft pulls. I starting trying this a little late. So looks like ill try for another month with 3 pullers

 

Just remember that this hobby is less expensive than, say, yachting or polo.

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I managed to get the last of my TU inquiries B* as of yesterday. I've been trying to B* EQ with just USAA but am I right that this means I'm being C* ?

 

On 9/3:

CREDITEXPERT 1-866-673-0140 09/03/13, 09/01/13, 08/31/13, 08/30/13, 08/27/13, 08/24/13, 08/20/13, 08/19/13, 06/18/13, 05/09/13, 04/30/13, 03/11/13, 02/04/13, 01/14/13, 12/14/12, 11/26/12, 10/12/12, 09/19/12

On 9/21:

CREDITEXPERT 1-866-673-0140 09/21/13, 09/20/13, 09/18/13, 09/17/13, 09/16/13, 09/15/13, 08/31/13, 06/18/13, 05/09/13, 04/30/13, 03/11/13, 02/04/13, 01/14/13, 12/14/12, 11/26/12, 10/12/12, 09/19/12

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I managed to get the last of my TU inquiries B* as of yesterday. I've been trying to B* EQ with just USAA but am I right that this means I'm being C* ?

 

On 9/3:

 

CREDITEXPERT 1-866-673-0140 09/03/13, 09/01/13, 08/31/13, 08/30/13, 08/27/13, 08/24/13, 08/20/13, 08/19/13, 06/18/13, 05/09/13, 04/30/13, 03/11/13, 02/04/13, 01/14/13, 12/14/12, 11/26/12, 10/12/12, 09/19/12

 

On 9/21:

 

CREDITEXPERT 1-866-673-0140 09/21/13, 09/20/13, 09/18/13, 09/17/13, 09/16/13, 09/15/13, 08/31/13, 06/18/13, 05/09/13, 04/30/13, 03/11/13, 02/04/13, 01/14/13, 12/14/12, 11/26/12, 10/12/12, 09/19/12

 

 

Yes. It also means it's too late for you to add more pullers this month, so don't waste your time and money.

 

You should start with 3 pullers on Oct. 11-12.

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I am registered with EQ complete currently. Last night I signed up for MPM but its actually EleminateIDTheft. The one thing I don't understand is why they make you wait 2-3 business days to get your log in password? is this common for them? I

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I am registered with EQ complete currently. Last night I signed up for MPM but its actually EleminateIDTheft. The one thing I don't understand is why they make you wait 2-3 business days to get your log in password? is this common for them? I

yes

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I got chopped in FL a few nights ago, lost 66 softs. For now I've cancelled MPM and Equifax and going to focus on B* TU since its cheaper and I'm sort of broke at the moment LOL

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I'm thinking about doing some bumpage work in the coming months..Just curious, when you guys bump these off early are you seeing a score increase from the bumpage ?

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I'm thinking about doing some bumpage work in the coming months..Just curious, when you guys bump these off early are you seeing a score increase from the bumpage ?

 

For me, the FICO score increase for B*ing has always been negligible. The FAKO score increases (which are meaningless) are always fun to watch but never the goal.

 

My personal decision to B* was not for FICO or other score improvement, but because I was on the bubble for getting some prime credit accounts, I wanted the issuers to have less reasons to deny me and I wanted to paint a better picture at Recon. In the end, my plan worked as I needed to Recon for Barclays and other new cards (and CLIs) and having one less reason to turn me down (no recent inquiries) didn't hurt.

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I'm thinking about doing some bumpage work in the coming months..Just curious, when you guys bump these off early are you seeing a score increase from the bumpage ?

any inq over 1 year old is not hurting your fico

 

inqs that are 6 months old are barely hurting your fico

 

bumping off 6 inqs in july got me about a 8 point increase on my fico

 

B* is a hobby not a tool for drastic score increases

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The last post in this topic was posted 1725 days ago. 

 

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