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ANNOUNCEMENT

 


cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
 
 
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Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
 
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
 
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.

 

- Pam, LKH, radi8, Marv

- the mods and forum leads


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creditmonitor2010

B* reference guide

Recommended Posts

This is a very basic reference guide. It does not include or answer everything. There are unknown exceptions and secret rules.

 

WARNING

Anything you do with EQ below can put you on EQ C* list, and that is not a place you want to be. It is suspected that signing up for more than one daily puller, checking the EQ backdoor too often, or signing up for EQ products like EC will put you on EQ C* list.

 

EQ B*

The magic number is 85

85 days if not on C* list and pulling daily with 1 daily puller.

28 days if after latest C* pulling daily with 3 pullers.

 

Choose from

My Privacy Matters (MPM)

Equifax Complete (EC)

USAA Credit Check Monitoring Premium (USAA-CCMP)

Credit Secure (CS)

 

TU B*

The magic number is 63

65 days if pulling Smart Credit Premium (SC) daily, due to 2 day TU delay.

 

 

How do I sign up for

MPM

Includes free 30 day trial

One person https://www.programenrollment.com/landingpages/cdw/767364/001/order1.asp?ID=767364

Two people https://www.programenrollment.com/landingpages/cdw/767365/001/order1.asp?ID=767365

 

EC

Limited time free 30 day trial

http://equifax.com/free30daytrial/

Regular sign up

http://www.equifax.com/3in1-credit-monitoring-3-scores/

 

USAA-CCMP (anyone can join USAA)

https://www.usaa.com/inet/ent_utils/McStaticPages?key=creditcheck_monitoring_main

 

CS (must have an Amex card that logs into americanexpress.com)

https://www152.americanexpress.com/premium/credit-report-monitoring/home.do?intlink=USNav_CreditSecure

 

SC

https://www.smartcredit.com/signup/signup.htm

Read this if you want a free 30 day trial and more http://creditboards.com/forums/index.php?showtopic=448596

 

How do I check my reports whenever I want

EQ

https://www.ai.equifax.com/CreditInvestigation/jsp/ECC_Dispute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/entry/disputeUpdatedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

Other notes

TU reinsertion and C* seems to happen once a year around April. EQ reinsertion does not happen but EQ C* usually happens monthly. Any of this can change. It is all current today. Avoid CCT, they have ripped off many here by charging more than they promised, you've been warned.

 

Updated 10/19/2010

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This is fantastic! With my impending app spree in a month or so, I can use this guide to have my EQ report lined up for some quick B* and continue to app. Thanks!!

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Is there anyway to get off of the C list.

 

Maybe cancel all your products and wait a few years. Short of that, no.

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Transunion:

 

Listed under account review. Am I close?

 

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE , CA 92612

Phone number not available

 

Requested On:

10/2010

Permissible Purpose: CONSUMER REQUEST

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE , CA 92612

Phone number not available

 

Requested On:

10/2010

Permissible Purpose: CONSUMER REQUEST

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

10/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS , MN 55402

(800) 319-4433

 

Requested On:

10/2010

Permissible Purpose: CONSUMER REQUEST

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS , MN 55402

(800) 319-4433

 

Requested On:

10/2010

Permissible Purpose: CONSUMER REQUEST

 

BANK OF AMERICA

P O BOX 15026

WILMINGTON , DE 19850

(800) 421-2110

 

Requested On:

09/2010

 

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS , MN 55402

(800) 319-4433

 

Requested On:

09/2010

Permissible Purpose: CONSUMER REQUEST

 

GEMB/SHOPNBC PLCC

PO BOX 981400

EL PASO , TX 79998

(866) 597-1513

 

Requested On:

09/2010

 

 

GEMB/WALMART

PO BOX 981400

EL PASO , TX 79998

(877) 294-7880

 

Requested On:

09/2010

 

 

BANK OF AMERICA

4161 PIEDMONT PKWY

1825 E BUCKEYE RD

GREENSBORO , NC 27410

(800) 451-6362

 

Requested On:

09/2010

 

 

CAPITAL ONE BANK USA NA

PO BOX 30281

SALT LAKE CITY , UT 84130

(800) 955-7070

 

Requested On:

09/2010

 

 

HOOTERS CARD/MERRICK BAN

POB 1500

DRAPER , UT 84020

(800) 349-7472

 

Requested On:

09/2010

 

 

FINGERHUT DIRECT MARKETI

6250 RIDGEWOOD ROA

SAINT CLOUD , MN 56303

(800) 356-2347

 

Requested On:

08/2010

 

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS , MN 55402

(800) 319-4433

 

Requested On:

08/2010

Permissible Purpose: CONSUMER REQUEST

 

FAIRISAAC via MY FICO

901 MARQUETTE AVE

SUITE 3200

MINNEAPOLIS , MN 55402

(800) 319-4433

 

Requested On:

08/2010

Permissible Purpose: CONSUMER REQUEST

 

FIA CSNA

P O BOX 15026

WILMINGTON , DE 19850

(800) 421-2110

 

Requested On:

08/2010

 

 

CENTRRO INC

291 3RD ST

OAKLAND , CA 94607

(501) 384-7900

 

Requested On:

07/2010

 

 

BANK OF AMERICA

PO BOX 17054

WILMINGTON , DE 19850-7054

(800) 421-2110

 

Requested On:

06/2010

 

 

FICO SCORE & TU REPORT

901 MASQUETH AVE

SUITE 3200

MINNEAPOLIS , MN 55402

Phone number not available

 

Requested On:

06/2010

 

 

CENTRRO INC

291 3RD ST

OAKLAND , CA 94607

(501) 384-7900

 

Requested On:

04/2010

 

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

03/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

03/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

03/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

03/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

02/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

02/2010

Permissible Purpose: CREDIT MONITORING

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

02/2010

Permissible Purpose: CREDIT MONITORING

 

ALLSTATE

1819 ELECTRIC RD

ROANOKE , VA 24018

(800) 255-7828

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

GEICO INSURANCE

ONE GEICO PLAZA

WASHINGTON , DC 20076

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

CENTRRO INC

291 3RD ST

OAKLAND , CA 94607

(501) 384-7900

 

Requested On:

01/2010

 

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

01/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

NATIONWIDE NEW M-VA

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

NATIONWIDE NEW M-VA

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: CREDIT MONITORING

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

GEICO INSURANCE

ONE GEICO PLAZA

WASHINGTON , DC 20076

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

GEICO INSURANCE

ONE GEICO PLAZA

WASHINGTON , DC 20076

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: INSURANCE UNDERWRITING

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

01/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: CREDIT MONITORING

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

01/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

LENDING CLUB CORPORATION

370 CONVENTION WAY

REDWOOD CITY , CA 94063

(408) 524-3067

 

Requested On:

01/2010

 

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: CREDIT MONITORING

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

01/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: CREDIT MONITORING

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

01/2010

Permissible Purpose: WRITTEN AUTHORIZATION

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

01/2010

Permissible Purpose: CREDIT MONITORING

 

AFFINION - PRIVACYGU via CREDCO

100 CONNETICUT AVE

NORWALK , CT 06850

(866) 990-7328

 

Requested On:

12/2009

Permissible Purpose: CONSUMER INITIATED TRANSACTION

 

CONSUMERINFO via CONSUMERINFO.COM

18500 VON KARMEN A

STE 900

IRVINE , CA 92612

Phone number not available

 

Requested On:

12/2009

Permissible Purpose: CONSUMER REQUEST

 

CONSUMERINFO via CONSUMERINFO.COM

18500 VON KARMEN A

STE 900

IRVINE , CA 92612

Phone number not available

 

Requested On:

12/2009

Permissible Purpose: CONSUMER REQUEST

 

CONSUMERINFO.COM

18500 VON KARMAN

#900

IRVINE , CA 92612

(888) 888-8553

 

Requested On:

12/2009

Permissible Purpose: WRITTEN AUTHORIZATION

 

CONSUMERINFO via CONSUMERINFO.COM

18500 VON KARMEN A

STE 900

IRVINE , CA 92612

Phone number not available

 

Requested On:

12/2009

Permissible Purpose: CONSUMER REQUEST

 

TRANSUNION INTERACTIVE I

100 CROSS ST

STE 202

SAN LUIS OBISP , CA 93401

Phone number not available

 

Requested On:

12/2009

Permissible Purpose: CREDIT MONITORING

 

BANK OF AMERICA

PO BOX 17054

WILMINGTON , DE 19850-7054

(800) 421-2110

 

Requested On:

12/2009

 

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

12/2009

Permissible Purpose: INSURANCE UNDERWRITING

 

VICTORIA INSURANCE GROUP

ONE NATIONWIDE PLA

01-17-201

COLUMBUS , OH 43215

(800) 882-2822

 

Requested On:

12/2009

Permissible Purpose: INSURANCE UNDERWRITING

 

CENTRRO INC

291 3RD ST

OAKLAND , CA 94607

(501) 384-7900

 

Requested On:

12/2009

 

 

GEICO INS CO

ONE GEICO BLVD

FREDERICKSBURG , VA 22412

Phone number not available

 

Requested On:

12/2009

Permissible Purpose: INSURANCE UNDERWRITING

 

CENTRRO INC

291 3RD ST

OAKLAND , CA 94607

(501) 384-7900

 

Requested On:

10/2009

 

 

GEICO INS CO

ONE GEICO BLVD

FREDERICKSBURG , VA 22412

Phone number not available

 

Requested On:

07/2009

Permissible Purpose: INSURANCE UNDERWRITING

 

GEICO INS CO

ONE GEICO BLVD

FREDERICKSBURG , VA 22412

Phone number not available

 

Requested On:

04/2009

Permissible Purpose: INSURANCE UNDERWRITING

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The link for MPM doesn't work.

Sorry it appears they have killed the links for Key Bank and BBT. It worked two days ago.

 

No choice but to go through EIDT again.

http://www.eliminateidtheft.com/mall/signup15.aspx

 

I don't know if the mods feel like substituting these links up into the first post. Otherwise it'll have to wait until the next update.

Edited by creditmonitor2010

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A few months back I signed up for EC on a trail offer. I used it one day and canceled it because it was overwhelming amount information for me at the time. Got a discounted offer in my email for EC and signed back up. There was a chop, slash, and a hack! :rofl: I can safely say that one day was more than enough to get me on the C* list.

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How do I work MPM? The links by the OP don't work and on the main page it asks for either a login or a promo code for new guests. There is no apparent way to just sign up.

 

It also seems to indicate that credit info is provided by TU at the bottom of the main page.

 

http://www.myprivacymatters.com

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I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

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I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

65 days later they will all be gone

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I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

65 days later they will all be gone

 

you have softs in between the hards...

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When did USAA stop b* TU? I guess I haven't been diligent enough reading the applicable threads...I've been pulling daily, consistently, and it wasn't until last week or so I BD EQ and noticed the b*, no such luck on TU...I'm afraid to get another puller and get on the c* list... :dntknw:

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After speaking with SmartCredit yesterday, I have some bad news.

 

The rep told me that as of Oct 26, they are only allowing 4 pulls per "extended" 30-day promo period. It was on that same day that I had called to "cancel" and been offered to extend my promo to 30 days. As she extended me I asked for "additional pulls" (LOL) and the very nice rep told me that the most she could give me was 16 at a time, but call or email when I need more. I did and I was given the bad news for all of us, and by the same rep who I'd spoken to in Oct.

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After speaking with SmartCredit yesterday, I have some bad news.

 

The rep told me that as of Oct 26, they are only allowing 4 pulls per "extended" 30-day promo period. It was on that same day that I had called to "cancel" and been offered to extend my promo to 30 days. As she extended me I asked for "additional pulls" (LOL) and the very nice rep told me that the most she could give me was 16 at a time, but call or email when I need more. I did and I was given the bad news for all of us, and by the same rep who I'd spoken to in Oct.

 

Now watch their 4th quarter sales drop. Some people were about to get some hefty Xmas bonuses no doubt.

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So, first of all, thanks to everyone here for all of the great information. I'm finding that in my quest to eliminate inquiries, an interesting thing is happening that goes against what's been posted here. That being that usaa and cct are not over-writing each other for purposes of eq b*. Let me explain. I have 4 daily pullers, MPM, USAA, CCT, and EC. I was going to cancel CCT, but I still had a partial month left so I kept it. All 4 were in place and ready to go by my c* date (12/16). So starting 12/17 I had 4 leftover softs (according to eq soft counter) and 14 hards, and I began pulling all 4 daily. Only 3 per day were showing up on my EC soft count, so I thought I was on track to start b* hards on 1/9/11. I did, however, start much sooner. For about 4 days now I've been b*. It started with 64 softs. Now I'm not complaining, but I kind of wanted to know whats going on, so I've been watching for exactly where the b* occurs. Every day I pull MPM first, then USAA, CCT, and EC last because it has a list of softs. For two days in a row now I've dropped a hard inquiry with my USAA pull, and then dropped another with my CCT pull. So my conclusion is that, while they seem to over-write each other on the soft count, I think they are maybe still there separately somehow. Or maybe I just got lucky. Anyways, I'll be inquiry free in a couple of days well ahead of schedule, with plenty of time to spare before c*. I maybe feel an app. or 2 coming on.

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