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BobWang

The Monster TransUnion Bumpage TU B* Master Thread

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Didn't even pay attention which B* thread I was in. But thanks Shifter :blush: ...play nice

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I'm new to this. But after quite a bit of reading and getting some terms down I think I got some of it.

 

SCP & TUP will help with B*.

I have 22 HP's on TU vs 13 EX and 17 EQ.

I live in a state where they pull exclusively TU so it's killer.

 

I already pull MPM daily but from what I've read doesn't help B* on TU. Also had USAA but at looks like from what I've read that doesn't help either.

 

So if I start tomorrow with SCP and TUP, it'll take a month of daily pulls? After that month and HP's removed, any negatives to stopping? Receiving more HP due to CLI or App?

 

Thanks for the valuable information.

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stop 3-4 days after they all disappear.

 

rinse and repeat after more apps.

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Just for the reference, the last time r* was April 2012. Let's hope their is no cycle like that again.

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I live in a state where they pull exclusively TU so it's killer.

That's a good thing now that you've discovered B*. I had 14 last month on TU after my app spree and I'm currently at 4. Edited by amandal0514

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stop 3-4 days after they all disappear.

 

rinse and repeat after more apps.

 

Thank you. I appreciate it.

 

 

I live in a state where they pull exclusively TU so it's killer.

That's a good thing now that you've discovered B*. I had 14 last month on TU after my app spree and I'm currently at 4.

 

 

Correct. I had read about this about a month or two ago. But didn't put much research into it. Spent a few hours last night combing through the thread and the other B* master thread. A wealth of information to be had.

 

I hope to kill a lot of the TU INQ's. Started TUP and SCP this morning. We'll see how it goes by the end of the month.

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stop 3-4 days after they all disappear.

 

rinse and repeat after more apps.

 

Thank you. I appreciate it.

 

 

I live in a state where they pull exclusively TU so it's killer.

That's a good thing now that you've discovered B*. I had 14 last month on TU after my app spree and I'm currently at 4.

 

 

Correct. I had read about this about a month or two ago. But didn't put much research into it. Spent a few hours last night combing through the thread and the other B* master thread. A wealth of information to be had.

 

I hope to kill a lot of the TU INQ's. Started TUP and SCP this morning. We'll see how it goes by the end of the month.

 

:good:

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Ugh, new apartment pulled TU. Now I have an INQ on my otherwise gorgeous CR.

 

Do I dare get back in the game? I was retired and doing so well... :P

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BTW on the topic of enhanced TU reports

 

on my mortgage app they asked about all inquiries in the last 120 days

 

3 EX, 1 EQ, 0 TU

 

no mention of the several TU inqs B*d, so they didn't see them.

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So, 120 days is the time-frame for inquiries,

 

fascinating.

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that was a year ago.

 

new data points

 

are always news-worthy.

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that was a year ago.

 

new data points

 

are always news-worthy.

yay, nothing's changed. :yahoo:

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So, 120 days is the time-frame for inquiries,

 

fascinating.

 

Could be lender specific. Shifter, who was the financing through?

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nobody special.

 

just an online lender I found through bankrate.com.

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I think it's important to keep this updated, because someday it will change.

 

Only a B* savvy person applying for a mortgage would notice, so a change could go unreported for a long time.

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Mine asked for explanations of all of them showing on my reports. Did not show any TU.

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Woohoo! 2 HP's removed already according to CK. (22 down to 20.) This is 5 days in using SCP & TUP.

 

WEBBANK/BML - 08/09/2012

GECRB/AMAZON - 09/04/2012

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Mine asked for explanations of all of them showing on my reports. Did not show any TU.

all of them?

 

even ones a year or more old?

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All of them. I just wrote "trying fit mileage card" on all of the lines. They just wanted me to jump through the hoop like a good boy.

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I got 4 more, and just in time for TUP to renew.

 

I'll drop that, and keep SCP, TUP is too expensive, but I had 9 that I wanted off to bring scores back up and

prepare me for a few more apps :)

 

Barclay's is looking good, but it seems they won't bite on you unless you're 700+, so I got about 20-30 points to

pick up, and getting to 0 from 9 INQ should do it.

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How do u monitor to see if its working, or track it? I have the TU and SC. And reporting 27 inquiries since 2012

Edited by SomeOkie

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