TU only reading one inq for B*

[cfipilot]

So i been b* with CS, CCT, and MPM. Been doing it since Jan or so, I missed some days. But in Feb. i haven;t missed any. Always do CS or CCT 1st then MPM. Look like TU is only reading one of the not all of them. I pulled this one from the TU backdoor today.

 

 

[vickilee]

If that is your real name and address on the report, you might want to take it out, or ask one of the moderators too do it for you. Just a safety measure...never know who is on here!

[BobWang]

If that is your real name and address on the report, you might want to take it out, or ask one of the moderators too do it for you. Just a safety measure...never know who is on here!

Good point!

BTW, cb_opus also gets chopped by TransUnion.

[cb_opus]

If that is your real name and address on the report, you might want to take it out, or ask one of the moderators too do it for you. Just a safety measure...never know who is on here!

Good point!

BTW, cb_opus also gets chopped by TransUnion.

 

yeppers. and we apparently live in the same town. TU is local (region) as well.

 

OP - get the mods to delete all those images! I shouldn't be able to see your address.

[creditmonitor2010]

So i been b* with CS, CCT, and MPM. Been doing it since Jan or so, I missed some days. But in Feb. i haven;t missed any. Always do CS or CCT 1st then MPM. Look like TU is only reading one of the not all of them. I pulled this one from the TU backdoor today.

 

Did you get this TU report before the daily pulls?

 

Can you do us a favor. Tomorrow and Friday, get your TU report before the daily pulls. Put up those 2 TU reports, but only the account review softs section.

 

It is possible CCT & CS overwrite in TU

[cfipilot]

ok address is gone, dont freak out.

 

I will pull TU in the am before the CS, CCT, and MPM.

[cfipilot]

I got this report after my CS, CCT and MPM pulls.

[Pondus.Natrii]

OK, Drs. and PhD candidates in B*, I also want to contribute to your efforts. Every day, I have been pulling CS then CCT. Haven't pulled them or TU today yet. Any research proposals?

 

And how does TU not flip out about rapid repeats of "denial" pulls?

[creditmonitor2010]

OK, Drs. and PhD candidates in B*, I also want to contribute to your efforts. Every day, I have been pulling CS then CCT. Haven't pulled them or TU today yet. Any research proposals?

 

And how does TU not flip out about rapid repeats of "denial" pulls?

 

Please get your TU and save it, then go ahead with CS and CCT pulls today. Tomorrow get your TU before any pulls. Put up the account review sections of both TU reports.

 

Thanks!

[Pondus.Natrii]

Abridged and revised for confusion: How many CS/CCT/MPM softs does cfipilot have after three days of pulling CS/CCT/MPM in February? I have one after pulling CS/CCT for two days. The conclusion will probably cost CS/CCT some customers, and move them over to MPM.

Edited February 3, 2010 by Pondus.Natrii

[cfipilot]

well i think it might also have to do with the the time inbetween each pull. i pull CS and CCT within seconds of eachother. I wait like 12 hrs before i can pull MPM. i will try pulling CS At 9am, CCT at 9pm and MPM at mindnight. See if that changes anything. I will pull TU on Friday Morning.

[cfipilot]

Abridged and revised for confusion: How many CS/CCT/MPM softs does cfipilot have after three days of pulling CS/CCT/MPM in February? I have one after pulling CS/CCT for two days. The conclusion will probably cost CS/CCT some customers, and move them over to MPM.

 

 

So here is my breakdown

Feb 1 - CS, CCT, MPM

Feb 2 - CS, CCT, MPM

Feb 3 - CS, CCT, TU - (havent pulled MPM yet, have to wait 24+1)

[cb_opus]

well i think it might also have to do with the the time inbetween each pull. i pull CS and CCT within seconds of eachother. I wait like 12 hrs before i can pull MPM. i will try pulling CS At 9am, CCT at 9pm and MPM at mindnight. See if that changes anything. I will pull TU on Friday Morning.

 

Let us know if you see a difference.

 

Sadly, it doesn't for me. I pull one in the am and one in the late afternoon, generally. Still merged into one.

 

feh.

[BobWang]

LKH, see what you've done?

[cb_opus]

Oh, also OP:

 

Had you been pulling CS and CCT prior to August 09?

 

I see you have no "consumerinfo" pulls prior to then.

 

Nor do I. They chopped ALL of mine prior to Aug, and was wondering if the same thing happened to you.

[Pondus.Natrii]

well i think it might also have to do with the the time inbetween each pull. i pull CS and CCT within seconds of eachother. I wait like 12 hrs before i can pull MPM. i will try pulling CS At 9am, CCT at 9pm and MPM at mindnight. See if that changes anything. I will pull TU on Friday Morning.

 

Let us know if you see a difference.

 

Sadly, it doesn't for me. I pull one in the am and one in the late afternoon, generally. Still merged into one.

 

feh.

CS and CCT merged into one, you say? But was it merged into one for the day, leaveing the yesterday's merge undisturbed, or did they overwrite the same single soft for the month? I can't possibly be that special to deserve this...

[creditmonitor2010]

Reminder: you must get TU before any daily pullers

 

That is the only way to get proper comparisons

 

Let's start fresh tomorrow and we'll have lots of data Friday

Edited February 3, 2010 by creditmonitor2010

[cb_opus]

well i think it might also have to do with the the time inbetween each pull. i pull CS and CCT within seconds of eachother. I wait like 12 hrs before i can pull MPM. i will try pulling CS At 9am, CCT at 9pm and MPM at mindnight. See if that changes anything. I will pull TU on Friday Morning.

 

Let us know if you see a difference.

 

Sadly, it doesn't for me. I pull one in the am and one in the late afternoon, generally. Still merged into one.

 

feh.

CS and CCT merged into one, you say? But was it merged into one for the day, leaveing the yesterday's merge undisturbed, or did they overwrite the same single soft for the month? I can't possibly be that special to deserve this...

 

I don't understand the mechanism, but I think (for us lucky few) that they just code the first one that comes their way as the "consumerinfo... #900" address one, and ignore the others somehow.

 

I'd love to know if anyone is getting only 1/day and has a different address showing. OP and I have only the #900 one it seems...

(re: the addresses listed in the big thread...)

[creditmonitor2010]

There should be 1 or 2 extra entries for "CONSUMERINFO via CONSUMER INFO.COM" depending on how the experiment goes, and on those extra entries you'll want to check if the address is KARMAN with an A or KARMEN with an E.

 

http://creditboards.com/forums/index.php?showtopic=426117

[creditmonitor2010]

I got this report after my CS, CCT and MPM pulls.

 

Thank you. It fits my current theory on TU B* as explained below.

 

Your report shows 3 entries for "CONSUMERINFO via CONSUMER INFO.COM" for 2/2010. This can be explained.

 

First, the next day disappearance theory is at work. Pulls on day 1 will disappear on day 2 and reappear on day 3. Today is 2/3, so the 2/2 pulls do not appear on today's report. The merged pull from 2/1 appears.

 

Second, the merge/overwrite factor. I am 75% sure that it is CCT and CS merging into one entry. The fact that all 3 entries show KARMEN with an E is proof. The 2 pulls on 2/1 are merged and reappear on 2/3 as one entry.

 

Third, pulls on the current day have no B* effect until they reappear two days later, even though they are visible on the first day. The 2 pulls of 2/3 are visible in addition to the merged 2/1 pull, giving a total of 3 entries on the report.

 

I consider the theory proven tomorrow 2/4 if the TU report only shows 2 entries. One each from 2/1 and 2/2. 2/3 will disappear for 2/4. 0 pulls for 2/4 because we need the TU report before any daily pullers.

Edited February 4, 2010 by creditmonitor2010

[BobWang]

I never got to Complex Analysis.

 

Did REAL well in Real, though.

[cfipilot]

here is the morning TU report before pulling anything.

 

[LKH]

LKH, see what you've done?

 

 

I know. I'm so ashamed. lol

[Pondus.Natrii]

I better hope that the new leading expert on B* dynamics is right, because if he is, CS & CCT overwrite each other for one soft per day. If the death/resurrection do not occur, then they are overwriting a single soft for the month.

 

FWIW, I looked at the January pulls on my TU backdoor. It shows a total of 20 KARMEN #900's. I pulled CCT 20 times in January, and CS on 16 of those same 20 days. Sure looks like a daily TU soft overwrite between CS and CCT in January for me.

 

One of them is going to get dropped just as soon as the research is concluded.

[creditmonitor2010]

here is the morning TU report before pulling anything.

 

Thank you! Research is concluded early.

 

We see only 2 entries for "CONSUMERINFO via CONSUMER INFO.COM" for 2/2010, as expected. CCT and CS are merging into 1 entry when they reappear two days later. These 2 entries are for 2/1 and 2/2. The 2/3 entries disappeared and will reappear as one entry tomorrow. Notice the address is KARMEN with with E.

 

I separately experimented with CS and USAA-CCMP. I confirm 2 entries per day after reappearance. Also, the USAA-CCMP entry has the address KARMAN with an A.

 

Conclusion: If you have CS, cancel CCT. You only need CS and USAA-CCMP for TU B* (optimal combo CS, USAA-CCMP, MPM for EQ B*).

If you do not have CS, stick with CCT and USAA-CCMP for TU B* (unfortunately CCT and USAA-CCMP merge on EQ)

Edited February 4, 2010 by creditmonitor2010