TU B* Journey...So It Begins (Any Help Greatly Appreciated!)

[MsIndependent]

I am starting my TU B* journey. I've read many, many threads and feel like I'm ready to get started. There is only 1 inquiry on here, but I figure I'd start with TU get the skills down and then move on to EQ, which has a whopping 7 inquiries. Here is what I have.

 

Last hard was on 2/14/14

Pulling softs since 2/20 using

* MPM (daily)

* SCP (daily)

Random Softs

* Credit Karma (2/12, 2/28, 3/7, 3/14)

* Walmart Fico (3/5)

I *believe* I’ll hit 65 on 3/31/14 (Based on a spreadsheet and some hope)

Does that sound right? Any other daily pullers I could use. Wasn’t sure if it made sense to add TrueCredit.com (or myscore.com) for that matter. Although since you can see softs on TC...I'm not sure that is a good idea. I have read conflicting posts about C* on TU. If there really is no C* on TU, I'll cadd TC. If there is ...another puller seems prudent.

Planning to start B* on EQ once the March C* is confirmed. It is believed to be the 16-21. Although BobWangs chart SEEMS to indicate it happens on Saturday for NYC, so that would either be the 22nd, I think.

Any insight greatly appreciated!!

[shifter]

MPM/CK/etc don't really help for TU B* outside of a couple of softs.

 

if you want to add another puller besides SCP, the only one is TUP.

 

but you only need 56 for B*, not 65. where are people getting this 65 number?

[choppa02]

Just get SC and TUP and pull everyday until all your inquiries are gone

[nolanryan]

I just pull smart credit for $9.99 a month. Works like a charm

[Redfoot]

I just pull smart credit for $9.99 a month. Works like a charm

This is what I do as well.

 

I don't know how much I would pursue *b for a single inquiry.

[Jordan0542]

What is TUP? Also, smart credit looks like $24.95/month for unlimited pulls?

Edited March 15, 2014 by Jordan0542

[BDK]

MPM/CK/etc don't really help for TU B* outside of a couple of softs.

 

if you want to add another puller besides SCP, the only one is TUP.

 

but you only need 56 for B*, not 65. where are people getting this 65 number?

It's from WELL before your time and only changed mysteriously to 55/56 a year or two ago.

 

I've NEVER cared what the number is anyways, just pull daily until inqs are gone. It's completely brainless. Many other things are much more important.

[lucky4]

What is TUP? Also, smart credit looks like $24.95/month for unlimited pulls?

 

TUP is Transunion Plus and it's too expensive to use unless an emergency IMHO

 

for SC use this link for $9.95/month http://www.smartcredit.com/tim

 

TU B* could not be any simpler

 

it's less than two months of pulling and the price is fantastic

Edited March 15, 2014 by lucky4

[shifter]

What is TUP? Also, smart credit looks like $24.95/month for unlimited pulls?

Don't sign up without the 9.95 promo or you'll be stuck paying 25 forever.

[shifter]

I've NEVER cared what the number is anyways, just pull daily until inqs are gone. It's completely brainless. Many other things are much more important.

Exactly. I don't even track it, just pull and wait.

[BDK]

 

I just pull smart credit for $9.99 a month. Works like a charm

This is what I do as well.

 

I don't know how much I would pursue *b for a single inquiry.

 

+1

 

I would not.

[lucky4]

It's completely brainless.

 

Yup!

 

Best way to describe it.

[Jordan0542]

You guys are awesome. For EQ B*, which pullers are the best for my $$ now-a-days?

[shifter]

If you don't have an AMEX don't even bother.

[shifter]

Other than learning the song.

[lucky4]

Other than learning the song.

 

If Bob would submit an audio version of the song, we could have some fun

 

#McConnelling

 

[scls]

You guys are awesome. For EQ B*, which pullers are the best for my $$ now-a-days?

EQ B* takes an eternity. Lucky are the people that are not on the C* list. I would rather pull for 90 days, than pay for multiple pullers.

[parisamour]

 

What is TUP? Also, smart credit looks like $24.95/month for unlimited pulls?

 

TUP is Transunion Plus and it's too expensive to use unless an emergency IMHO

 

for SC use this link for $9.95/month http://www.smartcredit.com/tim

 

TU B* could not be any simpler

 

it's less than two months of pulling and the price is fantastic

 

Just signed up for SC... I am going to do B for TR first to get practice for EQ. Thanks everyone for the great info.

Edited March 16, 2014 by parisamour

[truckerbonk]

The more daily pullers you got the faster the B* process it's very simple I use

 

USAA,MPM,TUP,SC,CK,Barclays

 

I had 19 TU inquiries on my TU 2/25 now they are all gone.

Edited March 16, 2014 by truckerbonk

[truckerbonk]

Use Lending Club also they soft pull you CR and you can see your TU FICO for free

Edited March 16, 2014 by truckerbonk

[chugs102]

Why is TU B* a journey?!!

 

It's a simple mindless thing, just pulling reports for 2 months with a single puller.

 

Why are you even bothering with 1 inquiry? Don't you have better things to do with your credit profile?

[belairpatrol]

Use Lending Club also they soft pull you CR and you can see your TU FICO for free

Do you sign up as borrower or lender? Were do you get TUFICO? Do you ave to fund te account?

[shifter]

Borrower. Lenders don't need a credit check.

[MsIndependent]

Why is TU B* a journey?!!

 

It's a simple mindless thing, just pulling reports for 2 months with a single puller.

 

Why are you even bothering with 1 inquiry? Don't you have better things to do with your credit profile?

 

The only other thing I have to do is my 7 EQ inquiries. Waiting for the March C* date passes until I begin the Equifax B* journey. Wanted to make sure I understood the fundamentals, first. Lowering my utilization one month at a time. Looking to have it ~10% and paying down my student loans in the next six months.

[policebox]

Two of my TU inquiries dropped off of my reports from Smart Credit and Credit Karma, but they are still showed up on a full report I obtained from TransUnion. So, are those inquiries b* or not?