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Question For B* Pro...

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I have been reading up on B* and just have a simple question...

 

From what I can see C* should hit MA in a couple days, on Thursday.

 

I have 5 EQ inquiries from last week that I want to B* off so I am back down to 0.

 

I have USAA daily...and I just signed up with MPM (said they will mail the info in 2 weeks but I called the number and they said call after 24 hours and they can provide me the online login)...I iwll then sign up for EC and AMEX CS...that will give me 4 daily pullers.

 

QUESTION:

 

If C* appears to be Thursday in MA should I start pulling all 4 on Friday morning? With 4 pullers should I be able to B* all 5 of these new inquries within 30 days?

 

Thanks in advance B* pro's...

 

 

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It will take 22 days from scratch to start seeing any B* with the 4 pullers. You can start as soon as you have your account info. C* will cut back some of your pulls, but will still credit you with at least 1 each for the month.

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Ok, thanks. So I am assuming if it takes 22 days to "fill the tank" that I could quite possibly B* these 5 new Inq's off by day 27?

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It would actually happen on day 23. One will get B* on day 22 and the other 4 on day 23. Each pull causes an entry so that's why you would get 4 in a single day.

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Holy crap....so I had USAA...signd up for MPM, AMEX CS, and EQ Complete....to starts pulling 4 daily and B* my 5 new inq.....I should have gotten C* the other day....I pull today, and see a ton of softs...load them into the counter....and it shows 79 confirmed softs! So does that technically mean if I do not get C* soon I could B* all 5 inq off in about 4-5 days?!

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Depending on the date of the inquires and the date of the softs. Remember that the softs will also get B*.

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Here are my softs:

AR-AMERICAN EXPRESS
09/16/12 AR-CAPITAL ONE
07/17/13, 01/22/13, 12/17/12, 09/21/12 AR-CAPITAL ONE BANK USA NA
04/15/13, 03/27/13 CIC/EXPERIAN RPTS
07/19/13 CREDITEXPERT 1-866-673-0140
07/19/13, 07/18/13, 07/17/13, 07/16/13,
07/15/13, 07/14/13, 07/13/13, 07/12/13, 07/11/13, 07/10/13, 07/09/13,
07/07/13, 07/05/13, 07/03/13, 07/02/13, 07/01/13, 06/29/13, 06/28/13,
06/27/13, 06/25/13, 06/24/13, 06/22/13, 06/21/13, 06/18/13, 06/17/13,
06/11/13, 06/10/13, 06/07/13, 06/06/13, 06/05/13, 06/04/13, 06/03/13,
05/31/13, 05/30/13, 05/29/13, 05/28/13, 05/27/13, 05/26/13, 05/25/13,
05/24/13, 05/23/13, 05/22/13, 05/21/13, 05/20/13, 05/19/13, 05/17/13,
05/16/13, 05/15/13, 05/14/13, 05/13/13, 05/11/13, 05/10/13, 05/09/13,
05/08/13, 05/07/13, 05/06/13, 05/05/13, 05/04/13, 05/03/13, 05/02/13,
05/01/13, 04/30/13, 04/29/13, 04/28/13, 04/27/13, 04/26/13, 04/25/13,
04/24/13, 04/23/13, 04/22/13, 04/21/13, 04/20/13, 04/19/13, 04/18/13,
04/17/13, 04/16/13, 04/15/13 EQUIFAX
04/22/13, 04/22/13, 04/03/13, 04/02/13,
01/18/13, 05/26/12, 05/23/12, 05/21/12, 05/19/12, 05/16/12, 05/10/12,
04/17/12, 04/10/12, 04/10/12, 04/05/12, 04/04/12, 03/30/12, 02/23/12,
02/14/12, 12/19/11, 12/19/11, 11/09/11, 10/07/11, 09/19/11, 08/12/11,
08/11/11, 07/20/11 EQUIFAX
03/31/13, 03/30/13, 02/07/13, 05/01/12, 04/18/12, 02/06/12, 02/04/12 EQUIFAX INFO SVCS.
03/20/12, 03/07/12, 02/21/12, 02/21/12 EQUIFAX INFO SVCS.
09/27/11 EQUIFAX
07/10/13, 07/10/13, 06/21/13, 06/21/13,
05/30/13, 05/30/13, 04/09/13, 04/09/13, 04/09/13, 04/09/13, 04/09/13,
03/29/13, 03/28/13, 03/23/13 EQUIFAX
03/08/13, 02/17/13, 02/07/13, 12/29/12, 12/25/12, 12/19/12, 11/22/12, 11/17/12, 11/05/12 EQUIFAX INFO SVCS.
02/04/12 Equifax Consumer Services
07/19/13 ND-Equifax Consumer Services
07/19/13, 03/30/13 ND-Equifax Consumer Services
07/19/13, 03/30/13 EQUIFAX INFO SVCS.
04/09/13, 02/13/13, 05/09/12, 04/30/12,
03/27/12, 03/22/12, 03/20/12, 02/28/12, 02/20/12, 02/16/12, 02/08/12,
01/05/12, 11/17/11, 09/30/11, 08/30/11, 08/24/11, 08/23/11, 08/17/11 FAIR ISAAC
07/10/13 ND-FAIR ISAAC
07/10/13 AR-MACYS/DSNB
03/29/13, 11/30/12, 10/26/12, 09/28/12, 08/31/12

 

And here are the hards I want to B*: (5 of them)

 

7/12/13

7/11/13

7/11/13

7/11/13

7/10/13

 

And this is what the counter says:

 

n2mxy8.png

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AR-AMERICAN EXPRESS 09/16/12

AR-CAPITAL ONE 07/17/13, 01/22/13, 12/17/12, 09/21/12 AR-CAPITAL ONE BANK USA NA
04/15/13, 03/27/13

CIC/EXPERIAN RPTS 07/19/13

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


EQUIFAX 04/22/13, 04/22/13, 04/03/13, 04/02/13,
01/18/13, 05/26/12, 05/23/12, 05/21/12, 05/19/12, 05/16/12, 05/10/12,
04/17/12, 04/10/12, 04/10/12, 04/05/12, 04/04/12, 03/30/12, 02/23/12,
02/14/12, 12/19/11, 12/19/11, 11/09/11, 10/07/11, 09/19/11, 08/12/11,
08/11/11, 07/20/11

EQUIFAX 03/31/13, 03/30/13, 02/07/13, 05/01/12, 04/18/12, 02/06/12, 02/04/12 EQUIFAX INFO SVCS.
03/20/12, 03/07/12, 02/21/12, 02/21/12

EQUIFAX INFO SVCS. 09/27/11

EQUIFAX 07/10/13, 07/10/13, 06/21/13, 06/21/13,
05/30/13, 05/30/13, 04/09/13, 04/09/13, 04/09/13, 04/09/13, 04/09/13,
03/29/13, 03/28/13, 03/23/13

EQUIFAX 03/08/13, 02/17/13, 02/07/13, 12/29/12, 12/25/12, 12/19/12, 11/22/12, 11/17/12, 11/05/12 EQUIFAX INFO SVCS.
02/04/12

Equifax Consumer Services 07/19/13

ND-Equifax Consumer Services 07/19/13, 03/30/13

ND-Equifax Consumer Services 07/19/13, 03/30/13

EQUIFAX INFO SVCS. 04/09/13, 02/13/13, 05/09/12, 04/30/12,
03/27/12, 03/22/12, 03/20/12, 02/28/12, 02/20/12, 02/16/12, 02/08/12,
01/05/12, 11/17/11, 09/30/11, 08/30/11, 08/24/11, 08/23/11, 08/17/11

FAIR ISAAC 07/10/13

ND-FAIR ISAAC 07/10/13

AR-MACYS/DSNB 03/29/13, 11/30/12, 10/26/12, 09/28/12, 08/31/12

 

 

Sorry for the rough reformatting. There are all the softs you will have to bump before the hard inqs will start to come off. The good news is you aren't getting C* so continuing to pull USAA CCMP will get you there. So ~70 more days of daily pulling will get you there.

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70 days even if I am pulling 4 daily from tomorrow on (USAA, AMEX, EQ COM, MPM)....or about 18 days pulling all 4?

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I'm sorry I missed the part where you were adding the others.

 

Yes 18 days should get you there using all 4

 

But you aren't getting C* so there's no real reason to add unless you are in a hurry. 2.5-3 months of USAA would be cheaper.

 

If you signed up for EC already then you're most likely on the C* block

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Not EC....signed up for equifax credit watch...it only pulls EQ...since my other 2 bureaus are frozen.

 

The other 3 all have free or $1 first 30 days...so it isn't costing me more...and I would like to get rid of them ASAP.

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Did you call and talk to AMEX about C$? I think the $1 promotion only gets you 2 pulls in a month, not daily pulls.

 

Does equfax credit watch leave a daily soft? I don't see it on BW's list of pullers.

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Ahh, well if that is the case I'll just pay the monthly fee...it is cheap.

 

EQ rep said it was the same as the other product...just doesnt pull the other 2 bureaus...

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Daily pulls w/ AMEX is 24.99 I believe. Unless you can talk them into upgrading the $15 product for you

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Gotcha. I will see what I can do...jsut trying to B* them off ASAP...if I have to spend a few bucks its well worth it.

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I had 79 softs in the counter when I started...now after a few days of pulling multiple times a day the counter still says 79.....any idea why this could be happening? Should I stop?

Edited by jjman

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you are in the process of bumping off your old softs

 

once you get rid of all the softs older than your hards you will start bumping hards

Edited by ckvb

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yes your counter will stay at 79 until you start B* hard inqs

 

maximum hard + soft inqs shown on the report = 84

 

your example: 79 soft + 5 hard = 84

 

as you add new softs it is removing the oldest softs so that count stays at 84

 

so the max for the counter would be 84 but that can only be reached when you have 0 hard inqs

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Ahhh, thanks!!! Makes perfect sense now!!! So as long as it keeps saying 79 I am good and no c*

 

Few weeks and it should be good!

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C* happens on certain dates not just haphazardly during the month

 

Bob Wang has a chart on it in the C* thread

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