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The Master Triple Bureau Pullers with Free Trials Thread


BobWang
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The last post in this topic was posted 1665 days ago. 

 

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BB&T MPM (Branch Banking and Trust MyPrivacyMatters): 30 day

http://www.bbt.com/bbt/privacymatters/

 

CHIDP (Chase Identity Protection): 30 day

https://www.chaseidprotection.com/index_alt.aspx

 

CCT (CreditCheck Total): 9 day

http://www.creditchecktotal.com/

 

F3BCR (Free3BureauCreditReport.com): 7 day

http://www.free3bureaucreditreport.com/

 

FCR (FreeCreditReport.com): 7 day

http://www.freecreditreport.com/

 

FCRI (FreeCreditReportsInstantly.com): 7 day

http://www.freecreditreportsinstantly.com/

 

FS (FreeScore.com): 7 day

http://www.freescore.com/

 

FTIDA (Fifth Third Identity Alert): 30 day

https://www.53.com/wps/portal/gv?New_WCM_Co...Identity+Alert/

 

IDPNC (Identity Protect for PNC customers): $1 for 30 days

https://www.idpnc.com/

https://www.pnc.com/webapp/unsec/ProductsAn...dentity+protect

 

IG (Identity Guard): 30 day

http://www.identityguard.com/ipages/le40/l...0reports%20free[G]CD69

http://www.identityguard.com/product-comparison.aspx

 

KB MPM (KeyBank MyPrivacyMatters): 30 day

https://www.key.com/html/leaving.html?/to/coverdell+single

https://www.key.com/html/leaving.html?/to/coverdell+couple

 

MCK (My CreditKeeper): 30 day

http://www.mycreditkeeper.com/Default.aspx

 

PM123 (Privacy Matters 1-2-3): 7 day ($1 refundable trial)

https://www.privacymatters.com/Offers/Pages...A291E046F2C2A0E

 

SOL (SpendOnLife.com): 7 day

http://www.spendonlife.com/freecreditreport

 

TC (TrueCredit): 30 day

http://www.truecredit.com/

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thanks bob i have cct and mpm which can i use if i dont have amex which wont over lap each other oh yeah and here is where i stand at this point

 

 

PRM-AMERICAN INTERNATIONAL ADVERT. 03/31/09

AR-CAPITAL ONE 02/02/10

PRM-CAPITAL ONE - RTPM 07/03/09

ND-CHOICEPOINT::0035021349 01/28/10

CIC/EXPERIAN ALRTS 06/12/09

Q-SPACE 07/08/09

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

EQUIFAX INFO SVCS. 02/22/10, 02/04/10, 09/22/09

EQUIFAX 02/18/10, 02/18/10, 09/28/09, 08/17/09

EQUIFAX INFO SVCS 12/16/09, 09/06/09, 09/03/09, 06/21/09, 06/20/09

EQUIFAX - UPDATE 10/06/09, 09/19/09, 07/18/09, 07/06/09, 05/11/09, 05/11/09, 02/16/09, 10/06/08, 09/01/08, 06/27/08

EQUIFAX INFO SVCS. 08/04/09, 07/30/09, 07/27/09, 04/15/09

EQUIFAX 07/09/09, 07/09/09

EQUIFAX 02/10/10, 02/09/10, 12/23/09, 12/21/09, 12/03/09, 07/27/09

EQUIFAX 07/14/09, 07/13/09, 07/09/09, 06/30/09

ND-EQUIFAX 01/08/09

ND-EQUIFAX 01/08/09

EQUIFAX INFO SVCS. 09/02/09, 08/29/09, 08/13/09, 08/05/09, 08/05/09, 07/31/09, 07/30/09, 07/29/09, 07/28/09, 07/22/09, 07/06/09, 07/03/09, 06/21/09, 06/20/09, 05/11/09, 11/02/08

ND-EQUIFAX CONSUMER SERVICES 01/27/10

ND-EQUIFAX CONSUMER SERVICES 07/22/09

ND-EQUIFAX CONSUMER SERVICES 07/22/09

ND-EQUIFAX CONSUMER SERVICES 04/25/08

ND-EQUIFAX CONSUMER SERVICES 03/30/08

CREDIT BUREAU INC 01/07/10, 10/22/09, 10/07/09, 09/16/09, 09/16/09, 09/05/09, 08/27/09, 07/23/09, 07/22/09, 07/10/09, 05/18/09, 05/09/09

EQUIFAX INFO SVCS. 02/25/10, 02/23/10, 02/16/10, 02/11/10, 01/07/10, 10/07/09, 09/21/09, 09/07/09, 05/12/09, 05/04/09, 03/20/09, 09/29/08, 07/30/08

FAIR ISAAC 09/13/09

ND-FAIR ISAAC 09/08/09

AR-FIA CSNA 05/05/09

PRM-FINGERHUT/CIT 06/23/09, 05/22/09

AR-HOUSEHOLD AUTO FINANCE CORP 09/29/09

AR-HOUSEHOLD BANK 02/17/10

PRM-JEFFERSON CAPITAL 04/01/09

DTC-NAVY FCU 07/16/09

TRUECREDIT/COVERDELL MY 02/09/10

TRUECREDIT/VERTRUE 03/11/10, 03/09/10, 03/08/10, 03/06/10, 03/04/10, 03/02/10, 03/01/10, 02/28/10, 02/27/10, 02/24/10, 02/23/10, 02/22/10, 02/21/10, 02/20/10, 02/18/10, 02/16/10, 02/15/10, 02/13/10, 02/11/10, 02/10/10, 02/08/10

TRUELINK 12/03/09, 10/31/09, 09/29/09, 08/29/09, 07/30/09, 06/30/09, 05/31/09, 04/30/09

TRUELINK 05/01/09

 

oh please tell me im doing well

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Nice! If you sign up for them all, you can get 15 softs in one day!

 

ETA: I can't imagine the living hell you will have to go through in order to convince 15 CSRs that you really, really, REALLY actually do want to cancel, though.

Edited by jds
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Bob -

 

A thought just occurred to me. I know being denied is a rare occurrence for you, and therefore so is recon, but has an UW ever asked you what happened to all of your inquiries? :lol:

 

Case in point, I reconned SFB last month, and the UW told me to reapply in July when my discharge is 3 years old and I would likely get approved. The TU inquiry will obviously be gone by then, so if I apply and I'm denied again, I'd love to say "the UW a few months ago told me I'd be good to go", but when I apply I'll have 0 inquiries :( Of course, even if I don't say that, there system might still have the original app, too.

 

Anyone else run into any interesting conversations/explanations? :lol:

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Bob -

 

A thought just occurred to me. I know being denied is a rare occurrence for you, and therefore so is recon, but has an UW ever asked you what happened to all of your inquiries? :P

 

Case in point, I reconned SFB last month, and the UW told me to reapply in July when my discharge is 3 years old and I would likely get approved. The TU inquiry will obviously be gone by then, so if I apply and I'm denied again, I'd love to say "the UW a few months ago told me I'd be good to go", but when I apply I'll have 0 inquiries :) Of course, even if I don't say that, there system might still have the original app, too.

 

Anyone else run into any interesting conversations/explanations? :)

jds:

Nobody has ever asked me why I have so few inquiries.

I've talked to A LOT of UWs in my time. :P

 

I miss the good old days when approvals were instant, without human contact. :(

Bob

P.S. Alliant pulled my Equifax twice when I joined last summer.

By the time I applied for their Visa, a couple of months and a couple of 100k's later, I was clean, nary a mention.

But, they probably didn't want to lose my deposits. ;)

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Bob -

 

A thought just occurred to me. I know being denied is a rare occurrence for you, and therefore so is recon, but has an UW ever asked you what happened to all of your inquiries? :P

 

Case in point, I reconned SFB last month, and the UW told me to reapply in July when my discharge is 3 years old and I would likely get approved. The TU inquiry will obviously be gone by then, so if I apply and I'm denied again, I'd love to say "the UW a few months ago told me I'd be good to go", but when I apply I'll have 0 inquiries :) Of course, even if I don't say that, there system might still have the original app, too.

 

Anyone else run into any interesting conversations/explanations? :)

jds:

Nobody has ever asked me why I have so few inquiries.

I've talked to A LOT of UWs in my time. :P

 

I miss the good old days when approvals were instant, without human contact. :(

Bob

P.S. Alliant pulled my Equifax twice when I joined last summer.

By the time I applied for their Visa, a couple of months and a couple of 100k's later, I was clean, nary a mention.

But, they probably didn't want to lose my deposits. ;)

 

Interesting.. they probably don't look over a BW app as close as they might mine, though :P

 

I wouldn't be surprised if SFB asked in July, but if they do, I'm just going to play dumb. After all, it's not my fault the CRAs can't carry the water without spilling it :P

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  • 3 weeks later...
Bob -

 

A thought just occurred to me. I know being denied is a rare occurrence for you, and therefore so is recon, but has an UW ever asked you what happened to all of your inquiries? :P

 

Case in point, I reconned SFB last month, and the UW told me to reapply in July when my discharge is 3 years old and I would likely get approved. The TU inquiry will obviously be gone by then, so if I apply and I'm denied again, I'd love to say "the UW a few months ago told me I'd be good to go", but when I apply I'll have 0 inquiries :) Of course, even if I don't say that, there system might still have the original app, too.

 

Anyone else run into any interesting conversations/explanations? :)

jds:

Nobody has ever asked me why I have so few inquiries.

I've talked to A LOT of UWs in my time. :P

 

I miss the good old days when approvals were instant, without human contact. :(

Bob

P.S. Alliant pulled my Equifax twice when I joined last summer.

By the time I applied for their Visa, a couple of months and a couple of 100k's later, I was clean, nary a mention.

But, they probably didn't want to lose my deposits. :lol:

 

Any uw who is good enough to notice that inqs have dissapeared either #1, knows about *B, or #2 should be promoted to a better position. The average uw is not sharp enough to catch that, it will take a superb one.

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Besides CCT and MPM, which other ones is a daily puller?

 

USAA-CCM

 

CreditSecure (maybe - we'll know more today).

 

 

Yea i kicked USAA to the curb, they are the worse ever. I went there and within 3 months i cancelled. It felt like i was considered trash to them, imposing all sorts of restrictions and then a bank which isnt a credit union to have members vs customers and some products being to certain ppl. I rather just be with someone that doesn't screw people that are not special.

 

Also do not have a AMEX card, they hate me.

Edited by EvilMan
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Besides CCT and MPM, which other ones is a daily puller?

 

USAA-CCM

 

CreditSecure (maybe - we'll know more today).

 

 

Yea i kicked USAA to the curb, they are the worse ever. I went there and within 3 months i cancelled. It felt like i was considered trash to them, imposing all sorts of restrictions and then a bank which isnt a credit union to have members vs customers and some products being to certain ppl. I rather just be with someone that doesn't screw people that are not special.

 

Sorry you had a bad experience. I'm not a full member either, but I feel like I've actually been treated very well - better than most any other financial institution I've dealt with. IMO, as a partial member, their service is great, so I can only imagine how good it is for full members.

 

I see how it might not look "fair", though.

 

ETA - you do know you don't have to bank with them to use the credit monitor, right?

Edited by jds
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Besides CCT and MPM, which other ones is a daily puller?

 

USAA-CCM

 

CreditSecure (maybe - we'll know more today).

 

 

Yea i kicked USAA to the curb, they are the worse ever. I went there and within 3 months i cancelled. It felt like i was considered trash to them, imposing all sorts of restrictions and then a bank which isnt a credit union to have members vs customers and some products being to certain ppl. I rather just be with someone that doesn't screw people that are not special.

 

Sorry you had a bad experience. I'm not a full member either, but I feel like I've actually been treated very well - better than most any other financial institution I've dealt with. IMO, as a partial member, their service is great, so I can only imagine how good it is for full members.

 

I see how it might not look "fair", though.

 

ETA - you do know you don't have to bank with them to use the credit monitor, right?

 

 

When i just went to sign up it asked me to login.

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Besides CCT and MPM, which other ones is a daily puller?

 

USAA-CCM

 

CreditSecure (maybe - we'll know more today).

 

 

Yea i kicked USAA to the curb, they are the worse ever. I went there and within 3 months i cancelled. It felt like i was considered trash to them, imposing all sorts of restrictions and then a bank which isnt a credit union to have members vs customers and some products being to certain ppl. I rather just be with someone that doesn't screw people that are not special.

 

Sorry you had a bad experience. I'm not a full member either, but I feel like I've actually been treated very well - better than most any other financial institution I've dealt with. IMO, as a partial member, their service is great, so I can only imagine how good it is for full members.

 

I see how it might not look "fair", though.

 

ETA - you do know you don't have to bank with them to use the credit monitor, right?

 

 

When i just went to sign up it asked me to login.

 

I know it is possible, but I'm not positive of the process because I added CCM after I was already a USAA customer, but I'm sure if you search for USAA-CCM you'll come up with it.

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USAA and CCT cancel one another out for EQ B* but not for TU B*. There's an image around here somewhere of BobWang's spreadsheet showing what does and doesnt' cancel each other out. I'll look for it. :dance:

 

edit - here's a quote from him in another relevant thread that contains the image I'm talking about:

 

No exactly, CCT and USAA-CCMP cancel each other on Equifax.

CCT and CS cancel each other on TransUnion:

 

DailyPullersandSoftInquiries.jpg

 

 

Hope that helps!

Edited by GonnaGetEm
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USAA and CCT cancel one another out for EQ B* but not for TU B*. There's an image around here somewhere of BobWang's spreadsheet showing what does and doesnt' cancel each other out. I'll look for it. :dance:

 

edit - here's a quote from him in another relevant thread that contains the image I'm talking about:

 

No exactly, CCT and USAA-CCMP cancel each other on Equifax.

CCT and CS cancel each other on TransUnion:

 

DailyPullersandSoftInquiries.jpg

 

 

Hope that helps!

 

yeah, I saw that, but these seem to be extras.. I see CCT on the list Bob placed for extra, so I know not to do that one. just wondering about the others. Seems all I need is about 10 to be clean on TU..

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