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BobWang

The Master Equifax & TransUnion B* Bumpage Thread

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cic-1

q-space-1

credit xpert-23 22

choicepoint-1

credit bureau-13

fair isaac-1

navy-fcu-1

tc-coverdell-1

tc-vertrue-12

truelink-9

 

plus i have 8 hards

 

im sure of these dont count i was guessing

but the total of these is 74

Only 47 softs count

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so vertrue is mpm right? and coverdell is truecredit? and credit expert is cct? i have both cct and mpm right now ive heard it doesnt benefit to have mpm and tc is this correct?

 

what is the credit bureau inc? just big brother?

mpm helps.

tc is of no benefit.

credit bureau doesn't count

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thanks for your quick response bob at least i was brave enough to try counting maybe ill do better next time. please report anyone when the inevitable axe falls. im praying i can get 30 more before it comes and get at least a few off.

 

how far do they usually cut back??

 

when in march are we looking at 15th ? 30th?

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ok im confused do they not count as one each bob are certain ones not considered a whole soft is that why were coming out different. i noticed a few others were coming out with higher numbers as well. is there a master reference sheet for what softs count as like fico counts as one but tc counts as like .25? im trying to be less confused.

 

went back and answered my own question some count as half so it takes 2 for one soft. im starting to get it slowly but surely. thank goodness the daily pullers are all 1 a piece. if i have mpm and cct is there anything else i can get (i dont have amex.) what about ck? will that help?

Edited by rayangel

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thanks for your quick response bob at least i was brave enough to try counting maybe ill do better next time. please report anyone when the inevitable axe falls. im praying i can get 30 more before it comes and get at least a few off.

 

how far do they usually cut back??

 

when in march are we looking at 15th ? 30th?

When the axe drops, only one soft per month is left.

We don't know the March chop date yet.

If I don't get bumpage by next weekend it will mean I've been chopped.

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ok im confused do they not count as one each bob are certain ones not considered a whole soft is that why were coming out different. i noticed a few others were coming out with higher numbers as well. is there a master reference sheet for what softs count as like fico counts as one but tc counts as like .25? im trying to be less confused.

 

went back and answered my own question some count as half so it takes 2 for one soft. im starting to get it slowly but surely. thank goodness the daily pullers are all 1 a piece. if i have mpm and cct is there anything else i can get (i dont have amex.) what about ck? will that help?

1) Ignore all prefixed names

2) Ignore all Equifax

3) Ignore names like NFCU where you did not initiate a soft pull

4) Include Fair Isaac

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CREDITEXPERT = 82

EQUIFAX INFO SYSTEMS = 3

FAIR ISSAC = 2

 

Total 87? Or do the Equifax ones not count? Does this mean I should get bumpage here in the next couple of days? I have 5 hards showing on there.

 

Discover on 11/13/09

 

GEMB on 11/23/09

 

FAcutal Data on 4/20/09, 7/17/09 & 8/21/09

 

Does that look correct?

 

So if I pull 5 more times I will bump everything?

 

enqcount.th.jpg

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Oops ok, just read post above mine..

 

so take out the Equifax ones takes me to 84 soft pulls?

 

So 6 more to get rid of everything?

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Darn!! Ignore all Equifax, huh. Then my screenshot below has less questions:

 

feb26b.jpg

 

I guess my count is currently 30. Seems like I was picking up a lot more before I cancelled lendingtree's monitoring service. I'm starting to think that just monitoring daily, even if not pulling, helps... hm.

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Oops ok, just read post above mine..

 

so take out the Equifax ones takes me to 84 soft pulls?

 

So 6 more to get rid of everything?

 

Well, I think the magic number is 86 actually, so it'd be more like:

 

2 more till one falls off. 3 more till 2 fall off. 4 more till 3 fall off.

 

That is my understanding, but I could be wrong, it's early!

Edited by GonnaGetEm

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CREDITEXPERT = 82

EQUIFAX INFO SYSTEMS = 3

FAIR ISSAC = 2

 

Total 87? Or do the Equifax ones not count? Does this mean I should get bumpage here in the next couple of days? I have 5 hards showing on there.

 

Discover on 11/13/09

 

GEMB on 11/23/09

 

FAcutal Data on 4/20/09, 7/17/09 & 8/21/09

 

Does that look correct?

 

So if I pull 5 more times I will bump everything?

You have 9 softs older than GEMB on 11/23/09.

So, it will take 10 more to bump off GEMB.

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Darn!! Ignore all Equifax, huh. Then my screenshot below has less questions:

 

I guess my count is currently 30. Seems like I was picking up a lot more before I cancelled lendingtree's monitoring service. I'm starting to think that just monitoring daily, even if not pulling, helps... hm.

Ignore ALL Equifax, prefixed AND non-prefixed.

Fair Isaac has a 1/29 echo, only count one of the two 1/29 Fair Isaacs.

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Oops ok, just read post above mine..

 

so take out the Equifax ones takes me to 84 soft pulls?

 

So 6 more to get rid of everything?

 

Well, I think the magic number is 86 actually, so it'd be more like:

 

2 more till one falls off. 3 more till 2 fall off. 4 more till 3 fall off.

 

That is my understanding, but I could be wrong, it's early!

The total number of softs and hards sum to 85.

So, with 1 hard and 84 softs, one more soft pull results in 0 hards and 85 softs.

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Can someone help me count mine?

 

Company Information Date of Inquiry

ANDERA 02/03/10

ND-AUTO-OWNERS INSURANCE 10/14/09

AR-CAPITAL ONE 02/02/10

ND-CHOICEPOINT::0004017976 10/23/09, 10/02/08, 04/29/08

IPLACE - DISCLOSURE 02/26/10, 10/29/09, 09/30/09, 08/31/09, 07/31/09, 06/30/09, 05/31/09

CREDITEXPERT 1-866-673-0140 02/26/10, 02/16/10, 02/05/10, 02/02/10, 02/01/10, 01/21/10, 12/30/09, 11/30/09, 10/30/09, 09/30/09, 08/31/09, 07/31/09, 06/30/09, 05/31/09

DISH NETWORK 01/12/10

EQUIFAX INFO SVCS. 11/30/09, 10/15/09, 08/28/09, 04/22/09, 04/15/09, 04/05/09, 04/04/09, 03/30/09

EQUIFAX INFO SVCS. 09/14/09, 08/17/09, 07/02/09, 05/21/09, 04/29/09, 04/09/09

EQUIFAX INFO SVCS 07/13/09, 05/20/09

EQUIFAX 09/07/09

EQUIFAX 04/02/09, 03/12/09, 02/27/09

ND-EQUIFAX 04/02/09

ND-EQUIFAX 03/12/09

EQUIFAX INFO SVCS. 01/04/10, 12/11/09, 10/19/09, 09/21/09, 09/17/09, 08/27/09, 05/26/09, 05/25/09, 05/04/09, 05/01/09, 04/29/09, 04/15/09, 04/06/09, 04/04/09

ND-EQUIFAX CONSUMER SERVICES 01/11/10

ND-EQUIFAX CONSUMER SERVICES 11/11/09

ND-EQUIFAX CONSUMER SERVICES 08/28/09

ND-EQUIFAX CONSUMER SERVICES 08/28/09

ND-EQUIFAX CONSUMER SERVICES 05/28/09

ND-EQUIFAX CONSUMER SERVICES 04/16/09

CREDIT BUREAU INC 12/18/09, 07/03/09, 05/01/09, 04/25/09, 04/25/09, 04/15/09, 04/02/09, 03/30/09, 03/23/09, 03/14/09, 02/27/09

EQUIFAX INFO SVCS. 05/25/09, 05/15/09, 05/04/09, 04/29/09

FAIR ISAAC 12/06/09, 10/11/09, 09/30/09, 08/04/09, 06/18/09

FAIR ISAAC 04/06/09, 03/25/09

ND-FAIR ISAAC 04/10/09

AR-GEMB/CARE CREDIT 12/18/09

AR-GEMB/JC PENNEYS 12/18/09

AR-GEMB/PAYPAL BNPL 12/18/09

AR-HSBC BANK NEVADA 02/17/10

AR-HOUSEHOLD BANK 02/17/10

AR-LB RETAIL 08/04/09

PROTECT AMERICA 11/10/09

AR-WACHOVIA BANK 12/08/09

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Can someone help me count mine?

 

Company Information Date of Inquiry

ANDERA 02/03/10

ND-AUTO-OWNERS INSURANCE 10/14/09

AR-CAPITAL ONE 02/02/10

ND-CHOICEPOINT::0004017976 10/23/09, 10/02/08, 04/29/08

IPLACE - DISCLOSURE 02/26/10, 10/29/09, 09/30/09, 08/31/09, 07/31/09, 06/30/09, 05/31/09

CREDITEXPERT 1-866-673-0140 02/26/10, 02/16/10, 02/05/10, 02/02/10, 02/01/10, 01/21/10, 12/30/09, 11/30/09, 10/30/09, 09/30/09, 08/31/09, 07/31/09, 06/30/09, 05/31/09

DISH NETWORK 01/12/10

EQUIFAX INFO SVCS. 11/30/09, 10/15/09, 08/28/09, 04/22/09, 04/15/09, 04/05/09, 04/04/09, 03/30/09

EQUIFAX INFO SVCS. 09/14/09, 08/17/09, 07/02/09, 05/21/09, 04/29/09, 04/09/09

EQUIFAX INFO SVCS 07/13/09, 05/20/09

EQUIFAX 09/07/09

EQUIFAX 04/02/09, 03/12/09, 02/27/09

ND-EQUIFAX 04/02/09

ND-EQUIFAX 03/12/09

EQUIFAX INFO SVCS. 01/04/10, 12/11/09, 10/19/09, 09/21/09, 09/17/09, 08/27/09, 05/26/09, 05/25/09, 05/04/09, 05/01/09, 04/29/09, 04/15/09, 04/06/09, 04/04/09

ND-EQUIFAX CONSUMER SERVICES 01/11/10

ND-EQUIFAX CONSUMER SERVICES 11/11/09

ND-EQUIFAX CONSUMER SERVICES 08/28/09

ND-EQUIFAX CONSUMER SERVICES 08/28/09

ND-EQUIFAX CONSUMER SERVICES 05/28/09

ND-EQUIFAX CONSUMER SERVICES 04/16/09

CREDIT BUREAU INC 12/18/09, 07/03/09, 05/01/09, 04/25/09, 04/25/09, 04/15/09, 04/02/09, 03/30/09, 03/23/09, 03/14/09, 02/27/09

EQUIFAX INFO SVCS. 05/25/09, 05/15/09, 05/04/09, 04/29/09

FAIR ISAAC 12/06/09, 10/11/09, 09/30/09, 08/04/09, 06/18/09

FAIR ISAAC 04/06/09, 03/25/09

ND-FAIR ISAAC 04/10/09

AR-GEMB/CARE CREDIT 12/18/09

AR-GEMB/JC PENNEYS 12/18/09

AR-GEMB/PAYPAL BNPL 12/18/09

AR-HSBC BANK NEVADA 02/17/10

AR-HOUSEHOLD BANK 02/17/10

AR-LB RETAIL 08/04/09

PROTECT AMERICA 11/10/09

AR-WACHOVIA BANK 12/08/09

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Darn!! Ignore all Equifax, huh. Then my screenshot below has less questions:

 

I guess my count is currently 30. Seems like I was picking up a lot more before I cancelled lendingtree's monitoring service. I'm starting to think that just monitoring daily, even if not pulling, helps... hm.

Ignore ALL Equifax, prefixed AND non-prefixed.

Fair Isaac has a 1/29 echo, only count one of the two 1/29 Fair Isaacs.

 

Yup, I"m at 30 then. Thanks!

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Oops ok, just read post above mine..

 

so take out the Equifax ones takes me to 84 soft pulls?

 

So 6 more to get rid of everything?

 

Well, I think the magic number is 86 actually, so it'd be more like:

 

2 more till one falls off. 3 more till 2 fall off. 4 more till 3 fall off.

 

That is my understanding, but I could be wrong, it's early!

The total number of softs and hards sum to 85.

So, with 1 hard and 84 softs, one more soft pull results in 0 hards and 85 softs.

 

Oh I didn't realize the hards figure into it! Cool explanation, thanks!

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ANDERA 05/21/09

CIC/EXPERIAN ALRTS 02/16/10, 01/28/10

CREDITEXPERT 1-866-673-0140 02/27/10, 02/26/10, 02/25/10, 02/24/10, 02/23/10, 02/22/10, 02/21/10, 02/20/10, 02/19/10, 02/18/10, 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, 02/04/10, 01/27/10

EQUIFAX INFO SVCS. 02/25/10, 02/25/10, 02/23/10, 02/19/10, 02/18/10, 02/13/10, 01/16/10, 01/15/10, 01/13/10, 03/28/09, 03/18/09, 10/24/08, 10/17/08, 10/14/08, 09/22/08, 09/14/08

EQUIFAX INFO SVCS 02/17/10, 03/08/09, 03/08/09, 03/03/08

EQUIFAX INFO SVCS. 03/18/09, 06/20/08[/color]

EQUIFAX - UPDATE 02/28/09, 02/28/09, 12/10/08, 10/27/08, 10/02/08, 09/26/08, 09/25/08, 09/17/08

EQUIFAX 09/23/08

EQUIFAX 02/17/10

EQUIFAX 02/06/10, 12/21/09, 10/31/09, 04/14/09, 03/08/09

ND-EQUIFAX 02/06/10, 10/31/09, 02/27/09, 01/13/09, 12/03/08, 09/22/08, 06/16/08

ND-EQUIFAX 12/21/09

ND-EQUIFAX 10/31/09, 12/03/08, 09/22/08, 06/16/08

EQUIFAX INFO SVCS. 02/26/10, 02/25/10, 02/24/10, 02/23/10, 02/03/10, 01/18/10, 01/16/10, 01/13/10, 01/13/10, 04/11/09, 04/07/09, 04/01/09, 03/16/09, 03/08/09, 03/08/09, 03/04/09, 03/04/09, 01/04/09, 11/19/08, 11/13/08, 11/05/08, 10/29/08, 10/22/08, 10/21/08, 10/21/08, 10/13/08, 10/09/08, 09/30/08, 04/04/08

ND-EQUIFAX CONSUMER SERVICES 02/12/10

ND-EQUIFAX CONSUMER SERVICES 11/06/08

ND-EQUIFAX CONSUMER SERVICES 10/17/08

ND-EQUIFAX CONSUMER SERVICES 10/17/08

ND-EQUIFAX CONSUMER SERVICE 09/26/08

ND-EQUIFAX CONSUMER SERVICES 09/26/08

ND-EQUIFAX CONSUMER SERVICES 09/26/08

ND-EQUIFAX CONSUMER SERVICES 09/26/08

CREDIT BUREAU INC 02/15/10, 02/05/10, 01/22/10, 01/21/10, 01/20/10, 01/15/10, 01/15/10, 01/15/10, 01/15/10, 09/11/09, 09/11/09, 04/02/09, 03/25/09, 03/18/09

ND-EQUIFAX MORTGAGE SERVICES::9855257432 06/03/09

ND-EQUIFAX REAL ESTATE SERVICE::9855257432 04/16/09

EQUIFAX INFO SVCS. 02/16/10, 07/14/08

FAIR ISAAC 02/20/10, 02/17/10, 02/16/10, 01/31/10

ND-FAIR ISAAC 02/20/10

ND-HSBC BANK 02/26/10, 01/29/10, 01/20/10

TRUECREDIT/BUSINESS MAX 02/13/10

TRUECREDIT/COVERDELL MY 01/29/10

TRUECREDIT/VERTRUE 02/27/10, 02/26/10, 02/25/10, 02/23/10, 02/22/10, 02/21/10, 02/20/10, 02/19/10, 02/17/10, 02/16/10, 02/14/10, 02/13/10, 02/11/10, 02/10/10, 02/09/10, 02/08/10, 02/07/10, 02/06/10, 02/04/10, 02/02/10, 01/31/10

TRUECREDIT/VERTRUE 02/13/10

TRUECREDIT/VERTRUE 03/29/09, 02/27/09

TRUELINK 04/17/09

TRUELINK 04/16/09

I count 72. Can anyone concur? I have not seen any EQ b* but I have had 13 TU fall off so I can say the dr's therory does work :angry:

Edited by socialbutterfly

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ANDERA 05/21/09

CIC/EXPERIAN ALRTS 02/16/10, 01/28/10

CREDITEXPERT 1-866-673-0140 02/27/10, 02/26/10, 02/25/10, 02/24/10, 02/23/10, 02/22/10, 02/21/10, 02/20/10, 02/19/10, 02/18/10, 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, 02/04/10, 01/27/10

EQUIFAX INFO SVCS. 02/25/10, 02/25/10, 02/23/10, 02/19/10, 02/18/10, 02/13/10, 01/16/10, 01/15/10, 01/13/10, 03/28/09, 03/18/09, 10/24/08, 10/17/08, 10/14/08, 09/22/08, 09/14/08

EQUIFAX INFO SVCS 02/17/10, 03/08/09, 03/08/09, 03/03/08

EQUIFAX INFO SVCS. 03/18/09, 06/20/08

EQUIFAX - UPDATE 02/28/09, 02/28/09, 12/10/08, 10/27/08, 10/02/08, 09/26/08, 09/25/08, 09/17/08

EQUIFAX 09/23/08

EQUIFAX 02/17/10

EQUIFAX 02/06/10, 12/21/09, 10/31/09, 04/14/09, 03/08/09

ND-EQUIFAX 02/06/10, 10/31/09, 02/27/09, 01/13/09, 12/03/08, 09/22/08, 06/16/08

ND-EQUIFAX 12/21/09

ND-EQUIFAX 10/31/09, 12/03/08, 09/22/08, 06/16/08

EQUIFAX INFO SVCS. 02/26/10, 02/25/10, 02/24/10, 02/23/10, 02/03/10, 01/18/10, 01/16/10, 01/13/10, 01/13/10, 04/11/09, 04/07/09, 04/01/09, 03/16/09, 03/08/09, 03/08/09, 03/04/09, 03/04/09, 01/04/09, 11/19/08, 11/13/08, 11/05/08, 10/29/08, 10/22/08, 10/21/08, 10/21/08, 10/13/08, 10/09/08, 09/30/08, 04/04/08

ND-EQUIFAX CONSUMER SERVICES 02/12/10

ND-EQUIFAX CONSUMER SERVICES 11/06/08

ND-EQUIFAX CONSUMER SERVICES 10/17/08

ND-EQUIFAX CONSUMER SERVICES 10/17/08

ND-EQUIFAX CONSUMER SERVICE 09/26/08

ND-EQUIFAX CONSUMER SERVICES 09/26/08

ND-EQUIFAX CONSUMER SERVICES 09/26/08

ND-EQUIFAX CONSUMER SERVICES 09/26/08

CREDIT BUREAU INC 02/15/10, 02/05/10, 01/22/10, 01/21/10, 01/20/10, 01/15/10, 01/15/10, 01/15/10, 01/15/10, 09/11/09, 09/11/09, 04/02/09, 03/25/09, 03/18/09

ND-EQUIFAX MORTGAGE SERVICES::9855257432 06/03/09

ND-EQUIFAX REAL ESTATE SERVICE::9855257432 04/16/09

EQUIFAX INFO SVCS. 02/16/10, 07/14/08

FAIR ISAAC 02/20/10, 02/17/10, 02/16/10, 01/31/10

ND-FAIR ISAAC 02/20/10

ND-HSBC BANK 02/26/10, 01/29/10, 01/20/10

TRUECREDIT/BUSINESS MAX 02/13/10

TRUECREDIT/COVERDELL MY 01/29/10

TRUECREDIT/VERTRUE 02/27/10, 02/26/10, 02/25/10, 02/23/10, 02/22/10, 02/21/10, 02/20/10, 02/19/10, 02/17/10, 02/16/10, 02/14/10, 02/13/10, 02/11/10, 02/10/10, 02/09/10, 02/08/10, 02/07/10, 02/06/10, 02/04/10, 02/02/10, 01/31/10

TRUECREDIT/VERTRUE 02/13/10

TRUECREDIT/VERTRUE 03/29/09, 02/27/09

TRUELINK 04/17/09

TRUELINK 04/16/09

 

I count 99. Can anyone concur? I have not seen any EQ b* but I have had 13 TU fall off so I can say the dr's therory does work :D

I get 53

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i recounted i got 72 the second time

Hey Dr Bob :D ok I see my mistake.

Did I tell you all how much I love you guys today :P

 

I have 20 hards on EQ and 5 hards on TU I have seen 13 fall of TU but none off EQ so shouldn't I start seeing something on EQ soon and will it be all at once?

Edited by socialbutterfly

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i recounted i got 72 the second time Hey Dr Bob :D ok I see my mistake. Did I tell you all how much I love you guys today :P

I think this is the correct itemization:

 

CIC = 2

CREDITEXPERT = 24

FAIR ISAAC = 4

TRUECREDIT/BUSINESS MAX = 1

TRUECREDIT/COVERDELL MY = 1

TRUECREDIT/VERTRUE = 21

TRUECREDIT/VERTRUE = 1

TRUECREDIT/VERTRUE = 2

TRUELINK = 1

TRUELINK = 1

 

Total = 58

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i recounted i got 72 the second time Hey Dr Bob :D ok I see my mistake. Did I tell you all how much I love you guys today :P

I think this is the correct itemization:

 

CIC = 2

CREDITEXPERT = 24

FAIR ISAAC = 4

TRUECREDIT/BUSINESS MAX = 1

TRUECREDIT/COVERDELL MY = 1

TRUECREDIT/VERTRUE = 21

TRUECREDIT/VERTRUE = 1

TRUECREDIT/VERTRUE = 2

TRUELINK = 1

TRUELINK = 1

 

Total = 58

 

 

ok so i have 20 hard on eq so that puts me at 78 so around 85 which means some time next week i should see about how many drop from EQ?

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You are being chopped, sb.

*IF* choppage occurs before you get any B*, you have to start all over again.

*IF* choppage doesn't happen till later in March, you will see your older soft inquiries drop off before newer hard inquiries.

If you don't see any drop off next week, we can safely assume choppage occurred in early March.

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