How do you know if your B* has been chopped?

[Shadowwolf1117]

Im working on my B* primarily on EQ, I have been monitoring with USAA and Equifax Complete Advantage for a while and it shows soft inquiries all the way back to late 2012, how do I know if I've been chopped? Bit new to the B* Spent the last 8 months clearing up my credit and now all that is left is one 7 year old minor charge off thats paid in full and a plethera of inquiries due to having fought to remove all the negatives on my credit...please advise oh gurus of the credit world

[Shadowwolf1117]

As a quick follow up to my above post here is my inquiry list for help with the count, thanks guys!

Inquiries that do not impact your credit rating

These inquires include requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.

 

Company Information Date of Inquiry ANDERA 09/16/13 CIC/EXPERIAN ALRTS 03/26/13 CREDITEXPERT 1-866-673-0140 10/24/13, 10/23/13, 10/22/13, 10/21/13, 09/30/13, 08/30/13, 07/31/13, 06/28/13, 05/31/13, 04/30/13, 03/29/13 E*TRADE FINANCIAL 12/04/12 EQUIFAX INFO SVCS. 10/03/13, 09/13/13, 08/09/13, 08/06/13, 08/06/13, 07/15/13, 06/27/13, 03/22/13, 03/22/13, 03/18/13 EQUIFAX 02/06/13, 12/17/12, 10/11/12 EQUIFAX 03/18/13, 03/18/13, 03/18/13, 03/18/13 EQUIFAX 02/06/13, 01/18/13, 12/17/12 EQUIFAX INFO SVCS. 10/22/13, 10/02/13, 09/05/13, 08/27/13, 08/06/13, 07/15/13, 04/11/13, 04/10/13, 03/22/13, 03/19/13, 03/18/13, 02/12/13, 01/18/13, 11/08/12 Equifax Consumer Services 10/24/13, 10/23/13, 03/25/13 ND-Equifax Consumer Services 10/23/13 ND-Equifax Consumer Services 10/23/13 ND-Equifax Consumer Services 10/23/13 ND-Equifax Consumer Services 03/25/13 ND-Equifax Consumer Services 03/22/13 ND-Equifax Consumer Services 03/22/13 EQUIFAX INFORMATION SVS 09/27/13, 09/03/13, 08/29/13, 08/26/13, 07/19/13, 07/17/13, 06/29/13, 06/27/13, 02/07/13, 01/24/13, 01/05/13, 12/31/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12 EQUIFAX INFO SVCS. 07/24/13, 01/15/13 PRM-FINGERHUT/WEBBANK 04/02/13 GB HOLDINGS INC 05/21/13 PRM-GINNY'S 07/25/13 AR-NAVY FCU 09/03/13 NAVY FCU 07/31/13 TRUECREDIT/CHASE 03/18/13, 02/18/13, 01/18/13, 12/18/12, 11/29/12

 

Also can someone please explain what a backdoor "look" is I certainly want to avoid that to minimize being chopped...thanks!

[stroked89coupe]

The Back Door is when you access your credit report for free using The Fact Act or other similar ways in.

 

 

http://creditboards.com/forums/index.php?showtopic=242892

[BDK]

As a quick follow up to my above post here is my inquiry list for help with the count, thanks guys!

Inquiries that do not impact your credit rating

These inquires include requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.

 

Company Information Date of Inquiry ANDERA 09/16/13 CIC/EXPERIAN ALRTS 03/26/13 CREDITEXPERT 1-866-673-0140 10/24/13, 10/23/13, 10/22/13, 10/21/13, 09/30/13, 08/30/13, 07/31/13, 06/28/13, 05/31/13, 04/30/13, 03/29/13 E*TRADE FINANCIAL 12/04/12 EQUIFAX INFO SVCS. 10/03/13, 09/13/13, 08/09/13, 08/06/13, 08/06/13, 07/15/13, 06/27/13, 03/22/13, 03/22/13, 03/18/13 EQUIFAX 02/06/13, 12/17/12, 10/11/12 EQUIFAX 03/18/13, 03/18/13, 03/18/13, 03/18/13 EQUIFAX 02/06/13, 01/18/13, 12/17/12 EQUIFAX INFO SVCS. 10/22/13, 10/02/13, 09/05/13, 08/27/13, 08/06/13, 07/15/13, 04/11/13, 04/10/13, 03/22/13, 03/19/13, 03/18/13, 02/12/13, 01/18/13, 11/08/12 Equifax Consumer Services 10/24/13, 10/23/13, 03/25/13 ND-Equifax Consumer Services 10/23/13 ND-Equifax Consumer Services 10/23/13 ND-Equifax Consumer Services 10/23/13 ND-Equifax Consumer Services 03/25/13 ND-Equifax Consumer Services 03/22/13 ND-Equifax Consumer Services 03/22/13 EQUIFAX INFORMATION SVS 09/27/13, 09/03/13, 08/29/13, 08/26/13, 07/19/13, 07/17/13, 06/29/13, 06/27/13, 02/07/13, 01/24/13, 01/05/13, 12/31/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12, 12/18/12 EQUIFAX INFO SVCS. 07/24/13, 01/15/13 PRM-FINGERHUT/WEBBANK 04/02/13 GB HOLDINGS INC 05/21/13 PRM-GINNY'S 07/25/13 AR-NAVY FCU 09/03/13 NAVY FCU 07/31/13 TRUECREDIT/CHASE 03/18/13, 02/18/13, 01/18/13, 12/18/12, 11/29/12

 

Also can someone please explain what a backdoor "look" is I certainly want to avoid that to minimize being chopped...thanks!

You ARE being C*.

 

Read: http://creditboards.com/forums/index.php?showtopic=485958