Need volunteers for TU B* research

[creditmonitor2010]

Theory - TU operates on a one day delay in C*/overwrite of CCT, CS, USAA-CCMP pulls, reducing the number to only 2 each day instead of the expected 3. Since it is a delayed C*, the TU report must be checked before pulling for the day, and then checking again the next day before any pulls.

 

Goal - identify which 2 are overwritten (my bet is on CCT & USAA-CCMP like EQ)

 

Experiment - need 3 volunteers with these pullers to try it out

A. Pull TU before any daily pullers and count the number of via consumerinfo

B. Then use 2 daily pullers

C. Next day pull TU before any daily pullers and count the number of via consumerinfo

 

Need volunteers to pick a pair below and run the experiment

1. CCT & CS

2. USAA-CCMP & CS

3. CCT & USAA-CCMP

[BobWang]

cm2010:

I can take #2 at the end of the month, if nobody else claims it.

I have a couple of Equifax inquiries that require me pulling MPM, NCIDP every day, and that might interfere with clean results.

Bob

[sonicanatidae]

I have CCT and MPM if this pair will help at any point down the road.

[joemac421]

I have CCT and USAA. I can do that one. Who do I use for TU?

[creditmonitor2010]

I have CCT and USAA. I can do that one. Who do I use for TU?

 

Thank you for volunteering for #3. TU means getting your TransUnion report through the backdoor

https://annualcreditreport.transunion.com/e...atedLanding.jsp

 

So you want to get your TU report first before doing any pulls and save it, then pull CCT and USAA. The next day get your TU report again before doing any pulls, and compare the two TU reports to see what changed (especially the change in number of "CONSUMERINFO via CONSUMER INFO.COM" entries). 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.

[TheBanker]

If I'm understanding your question properly, I can already solve your question for #2.

 

My USAA-CCM and CS's pulls are independently listed on TransUnion. One with the Karman spelling and and another with Karmen spelling.

Edited February 3, 2010 by J-M

[creditmonitor2010]

If I'm understanding your question properly, I can already solve your question for #2.

 

My USAA-CCM and CS's pulls are independently listed on TransUnion. One with the Karman spelling and and another with Karmen spelling.

 

Can you run the experiment - get the TU report and save it before the pulls, then pull the two. The next day get the TU report again before the pulls. Does it show two new additional "CONSUMERINFO via CONSUMER INFO.COM" entries? It probably does since the spelling is different, but just double checking. Thanks!

Edited February 3, 2010 by creditmonitor2010

[creditmonitor2010]

I have CCT and MPM if this pair will help at any point down the road.

 

Thanks for volunteering. It won't be necessary though, because MPM creates the entry "YOUR NAME via TRANSUNION INTERACTIVE I". My current theory is any single TU-based puller like MPM only count for 1 entry towards B* even if it shows 2 or more entries.

 

With this experiment, I'm trying to figure out if the combo CCT, CS, USAA-CCMP only result in 2 new "CONSUMERINFO via CONSUMER INFO.COM" entries each day. Since I believe TU operates on a delayed daily C*, the TU reports used for comparison have to be before any pulls for the day.

[joemac421]

I tried to use the back door and it came up security freeze, it said I can't get my report online which I have been all along without issue including that backdoor. I have sent out a bunch of disputes and have distputed with the CRA's as well. Maybe it has something to do with that but sorry I can't do it right now.

[creditmonitor2010]

I tried to use the back door and it came up security freeze, it said I can't get my report online which I have been all along without issue including that backdoor. I have sent out a bunch of disputes and have distputed with the CRA's as well. Maybe it has something to do with that but sorry I can't do it right now.

 

Thanks for trying. In my experience, the backdoor is shut until the dispute investigation is completed

[Pondus.Natrii]

Theory - TU operates on a one day delay in C*/overwrite of CCT, CS, USAA-CCMP pulls, reducing the number to only 2 each day instead of the expected 3. Since it is a delayed C*, the TU report must be checked before pulling for the day, and then checking again the next day before any pulls.

 

Goal - identify which 2 are overwritten (my bet is on CCT & USAA-CCMP like EQ)

 

Experiment - need 3 volunteers with these pullers to try it out

A. Pull TU before any daily pullers and count the number of via consumerinfo

B. Then use 2 daily pullers

C. Next day pull TU before any daily pullers and count the number of via consumerinfo

 

Need volunteers to pick a pair below and run the experiment

1. CCT & CS

2. USAA-CCMP & CS

3. CCT & USAA-CCMP

I can probably help with #1, as I currently pull only CS & CCT. CB makes posting images kind of awkward, and I lack the energy for fiddling with outside-hosted uploads (spoiled by FW). In the interest of research, here is what I got today for 02/2010 CONSUMERINFO softs showing through TU back door BEFORE any pulls:

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE , CA 92612

Phone number not available Requested On: 02/2010 Permissible Purpose: CONSUMER REQUEST pe

 

Yes, only one soft, after two days of two services each. The total CONSUMERINFO via CONSUMERINFO count is 49. In case the suite/street spelling predictably differs between CS and CCT, I did the pulls after today's backdooring in the order I never did before, CCT then CS. If the only soft for February changes spelling, we know what TU is up to.

[creditmonitor2010]

I can probably help with #1, as I currently pull only CS & CCT. CB makes posting images kind of awkward, and I lack the energy for fiddling with outside-hosted uploads (spoiled by FW). In the interest of research, here is what I got today for 02/2010 CONSUMERINFO softs showing through TU back door BEFORE any pulls:

 

CONSUMERINFO via CONSUMER INFO.COM

18500 VON KARMEN A

#900

IRVINE , CA 92612

Phone number not available Requested On: 02/2010 Permissible Purpose: CONSUMER REQUEST pe

 

Yes, only one soft, after two days of two services each. The total CONSUMERINFO via CONSUMERINFO count is 49. In case the suite/street spelling predictably differs between CS and CCT, I did the pulls after today's backdooring in the order I never did before, CCT then CS. If the only soft for February changes spelling, we know what TU is up to.

Thank you!

 

It sure doesn't look good that there was only 1 entry for 2/2010 after two days of pulling CCT and CS. Let's see what happens tomorrow.

 

I'm going to add to the theory and say TU operates on a 1 day disappearance. So 2/1 pulls disappear on 2/2 and reappear on 2/3. So that why we see 1 entry. 2/2 pulls disappear 2/3 (today) and should reappear 2/4 (tomorrow).

Edited February 4, 2010 by creditmonitor2010

[creditmonitor2010]

CCT and CS merge into 1 daily for TU. Thank you everyone. Best daily puller combo for new people like me is USAA-CCMP (EQ TU), CS (EQ TU), MPM (EQ)

 

http://creditboards.com/forums/index.php?showtopic=426236

[Pimp_My_Ride]

I have both CCT (for a month or so) and CS (for a day or so)..

 

I'd be happy to help. Tell me what to do.

 

PMR

[creditmonitor2010]

I have both CCT (for a month or so) and CS (for a day or so)..

 

I'd be happy to help. Tell me what to do.

 

PMR

 

Thanks. Experiment is over, CCT & CS merge into 1 entry daily for TU. I would keep CS, cancel CCT.

[Pondus.Natrii]

I have both CCT (for a month or so) and CS (for a day or so)..

 

I'd be happy to help. Tell me what to do.

 

PMR

The research was concluded early. Your combo is the same I have. If you feel like verifying the results, consider doing this: on a day you haven't pulled CS & CCT yet, backdoor-pull your TU report. (How to do that is describedin "Very Important Pinned Topics", you pretty much go to TU and ask for a report because of "denial of credit or other adverse action in the last 60 days". Save the TU report. Then pull CS and CCT.

 

The next day, backdoor-pull TU again. Save it. (You can then proceed to pull your CS/CCT, but it won't matter that much.) Compare the two TU reports, and count the number of CONSUMERINFO via CONSUMERINFO softs. Was one added or two? (Odds are that only one.)