B* reference guide

[creditmonitor2010]

This is a very basic reference guide. It does not include or answer everything. There are unknown exceptions and secret rules.

 

WARNING

Anything you do with EQ below can put you on EQ C* list, and that is not a place you want to be. It is suspected that signing up for more than one daily puller, checking the EQ backdoor too often, or signing up for EQ products like EC will put you on EQ C* list.

 

EQ B*

The magic number is 85

85 days if not on C* list and pulling daily with 1 daily puller.

28 days if after latest C* pulling daily with 3 pullers.

 

Choose from

My Privacy Matters (MPM)

Equifax Complete (EC)

USAA Credit Check Monitoring Premium (USAA-CCMP)

Credit Secure (CS)

 

TU B*

The magic number is 63

65 days if pulling Smart Credit Premium (SC) daily, due to 2 day TU delay.

 

 

How do I sign up for

MPM

Includes free 30 day trial

One person https://www.programenrollment.com/landingpages/cdw/767364/001/order1.asp?ID=767364

Two people https://www.programenrollment.com/landingpages/cdw/767365/001/order1.asp?ID=767365

 

EC

Limited time free 30 day trial

http://equifax.com/free30daytrial/

Regular sign up

http://www.equifax.com/3in1-credit-monitoring-3-scores/

 

USAA-CCMP (anyone can join USAA)

https://www.usaa.com/inet/ent_utils/McStaticPages?key=creditcheck_monitoring_main

 

CS (must have an Amex card that logs into americanexpress.com)

https://www152.americanexpress.com/premium/credit-report-monitoring/home.do?intlink=USNav_CreditSecure

 

SC

https://www.smartcredit.com/signup/signup.htm

Read this if you want a free 30 day trial and more http://creditboards.com/forums/index.php?showtopic=448596

 

How do I check my reports whenever I want

EQ

https://www.ai.equifax.com/CreditInvestigation/jsp/ECC_Dispute_Login.jsp

 

TU

https://annualcreditreport.transunion.com/entry/disputeUpdatedLanding.jsp

You cannot check your TU report while a dispute investigation is ongoing.

 

Other notes

TU reinsertion and C* seems to happen once a year around April. EQ reinsertion does not happen but EQ C* usually happens monthly. Any of this can change. It is all current today. Avoid CCT, they have ripped off many here by charging more than they promised, you've been warned.

 

Updated 10/19/2010

[creditmonitor2010]

Lots of credit to everyone here who discovered and contributed this information. With the free trials, people should be able to B* free or almost free.

[BobWang]

Good summary, cm2010.

[gnarlywood]

This is fantastic! With my impending app spree in a month or so, I can use this guide to have my EQ report lined up for some quick B* and continue to app. Thanks!!

[mordaane]

Most useful indeed.

[redfish642]

Is there anyway to get off of the C list.

[Repairerer]

Is there anyway to get off of the C list.

 

Maybe cancel all your products and wait a few years. Short of that, no.

[bluesmap]

thanks for this thread.

b made easy

[Repairerer]

SmartCredit. It ain't cheap but if you're close maybe a trial will hit it.

[auburnjosh]

The link for MPM doesn't work.

[creditmonitor2010]

The link for MPM doesn't work.

Sorry it appears they have killed the links for Key Bank and BBT. It worked two days ago.

 

No choice but to go through EIDT again.

http://www.eliminateidtheft.com/mall/signup15.aspx

 

I don't know if the mods feel like substituting these links up into the first post. Otherwise it'll have to wait until the next update.

Edited October 22, 2010 by creditmonitor2010

[mordaane]

A few months back I signed up for EC on a trail offer. I used it one day and canceled it because it was overwhelming amount information for me at the time. Got a discounted offer in my email for EC and signed back up. There was a chop, slash, and a hack! I can safely say that one day was more than enough to get me on the C* list.

[Venusfan]

man, just checked my EQ and see I got 10 inq.. looks like it's time to freeze EQ

[gnarlywood]

How do I work MPM? The links by the OP don't work and on the main page it asks for either a login or a promo code for new guests. There is no apparent way to just sign up.

 

It also seems to indicate that credit info is provided by TU at the bottom of the main page.

 

http://www.myprivacymatters.com

[jimmytftw35]

I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

[jimmytftw35]

Double post. Darn phone

Edited October 26, 2010 by jimmytftw35

[creditmonitor2010]

I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

65 days later they will all be gone

[hbomb174]

I've been using SC for abt 2wks ,one will bump then it took 4days for the next one to bump , now its been 5 days and nothing .Is TU normally this slow? EQ bumped like clock work. Just wondering

65 days later they will all be gone

 

you have softs in between the hards...

[babyarho2010]

When did USAA stop b* TU? I guess I haven't been diligent enough reading the applicable threads...I've been pulling daily, consistently, and it wasn't until last week or so I BD EQ and noticed the b*, no such luck on TU...I'm afraid to get another puller and get on the c* list...

[gnarlywood]

After speaking with SmartCredit yesterday, I have some bad news.

 

The rep told me that as of Oct 26, they are only allowing 4 pulls per "extended" 30-day promo period. It was on that same day that I had called to "cancel" and been offered to extend my promo to 30 days. As she extended me I asked for "additional pulls" (LOL) and the very nice rep told me that the most she could give me was 16 at a time, but call or email when I need more. I did and I was given the bad news for all of us, and by the same rep who I'd spoken to in Oct.

[foeplay]

After speaking with SmartCredit yesterday, I have some bad news.

 

The rep told me that as of Oct 26, they are only allowing 4 pulls per "extended" 30-day promo period. It was on that same day that I had called to "cancel" and been offered to extend my promo to 30 days. As she extended me I asked for "additional pulls" (LOL) and the very nice rep told me that the most she could give me was 16 at a time, but call or email when I need more. I did and I was given the bad news for all of us, and by the same rep who I'd spoken to in Oct.

 

Now watch their 4th quarter sales drop. Some people were about to get some hefty Xmas bonuses no doubt.

[creditmonitor2010]

In the next update, this very important topic will be added to the first post.

 

You can freeze the CRAs that track your Mastercard and Visa applications

Free and easy

http://creditboards.com/forums/index.php?showtopic=431947

[reuben1023]

So, first of all, thanks to everyone here for all of the great information. I'm finding that in my quest to eliminate inquiries, an interesting thing is happening that goes against what's been posted here. That being that usaa and cct are not over-writing each other for purposes of eq b*. Let me explain. I have 4 daily pullers, MPM, USAA, CCT, and EC. I was going to cancel CCT, but I still had a partial month left so I kept it. All 4 were in place and ready to go by my c* date (12/16). So starting 12/17 I had 4 leftover softs (according to eq soft counter) and 14 hards, and I began pulling all 4 daily. Only 3 per day were showing up on my EC soft count, so I thought I was on track to start b* hards on 1/9/11. I did, however, start much sooner. For about 4 days now I've been b*. It started with 64 softs. Now I'm not complaining, but I kind of wanted to know whats going on, so I've been watching for exactly where the b* occurs. Every day I pull MPM first, then USAA, CCT, and EC last because it has a list of softs. For two days in a row now I've dropped a hard inquiry with my USAA pull, and then dropped another with my CCT pull. So my conclusion is that, while they seem to over-write each other on the soft count, I think they are maybe still there separately somehow. Or maybe I just got lucky. Anyways, I'll be inquiry free in a couple of days well ahead of schedule, with plenty of time to spare before c*. I maybe feel an app. or 2 coming on.

[Repairerer]

Maybe something has changed. Congrats reuben!

[Roland99]

TU is being finicky with my last INQ. Should have dropped off 3-4 days ago. blah.