EX B*

[somekindofhappiness]

Is it just an assumption based on experience, or is there some deeper logic as to why we can't B* Experian?

[Repairerer]

Well, my Experian report has got about a million soft inquiries on it.

[spigot]

If it's possible, we haven't found a way yet. EQ and TU can only hold so many INQs, hard or soft. EX seems to use a different system and isn't susceptible to our exploit. I personally have 200+ soft pulls on my Experian report without any signs of B*.

[BobWang]

It's somewhere in between you two.

[BobWang]

It's something we don't talk about.

[spigot]

NEW EX B* METHOD

Freeze your report for two years.

[RedsGT]

NEW EX B* METHOD

Freeze your report for two years.

You're joking, but I've thought about doing this...

 

 

 

[foeplay]

I just B* three inquiries recently

 

All you have to do is rack up so many soft inquiries (2-3 years worth) that you can no longer back door EX and then just call the number it gives you to order a mail report. They will delete every single soft and take a few hards with it.

 

I know 2-3 years is a long time but keep in mind that it doesn't work the same way as EQ and TU work meaning that the softs don't have to be older than the inquiries. I lost recent inquiries when it happened!

Edited February 14, 2012 by foeplay

[foeplay]

The thing to try is don't apply for EX pullers until you have filled up your entire soft inquiry capacity on EX and you can no longer backdoor it, then app spree, then call to order your hard report and voila! then profit??

Edited February 14, 2012 by foeplay

[BobWang]

Remember, boys and girls, foe's a trained professional.

[RAguy]

The thing to try is don't apply for EX pullers until you have filled up your entire soft inquiry capacity on EX and you can no longer backdoor it, then app spree, then call to order your hard report and voila! then profit??

 

 

Ok so which pullers count for softs on EX? Then I assume you just Backdoor EX and count all the softs while you go right?

 

Edit: Just did a quick count and I have over 360 softs. So when does it fill up where you cant backdoor anymore?

Edited February 14, 2012 by RAguy

[foeplay]

USAA-CCMP or CCT

MPM

AMEX C$

PS...backdooring counts for an extra soft as well

[Menta33]

I've also had some kind of bumpage on Experian. On my 12-Nov-11 pull I had 5 hards plus around 1,077 soft inquiries on my credit report.

 

On 27-Dec-11 I was down to one hard (a new one from 23-Nov-11) and 2 softs dated 27-Dec-11.

 

Let's collect more data on this and see if we can figure out the pattern more specifically. Perhaps it only occurs at a certain time of year when they purge their records?

[gabbyraja]

Hard pulls DO still fall off EX after 2 years, though, right? So 3 years of softs is longer than just letting them fall off... Maybe I'm missing facetiousness online...

[foeplay]

Hard pulls DO still fall off EX after 2 years, though, right? So 3 years of softs is longer than just letting them fall off... Maybe I'm missing facetiousness online...

Step 1: Pull your reports daily until you accumluate 1000+ soft pulls and you have so many the system will no longer let you backdoor

Step:2 EX app spree

Step 3: Order your hard copy report over the phone

Step 4: EX will manually purge all your softs in order to generate a report to mail you and it will take a few hards from your Step 2 app spree with them thus resulting in EX B*

Step 5: Profitttttttttttt

 

The moral of the story is, if you subscribe to a daily puller you might as well pull your reports everyday so you can fill up the capacity of softs that your EX report can hold for fearless apping down the road. For those of us that fear EX inquiries more than cancer, it will give us a nice opportunity to app spree for that known EX pullers that we have avoided (ie AMEX, BOA, CITI, US BANK, Chase, etc) due to the pain and anger that hard inquiries cause. It's a good way to lessen the damage.

[cookiemommy]

So theoretically if since the end of last year i was backdoor and usaa pulling daily by this december id be near 1k? What other soft pullers to add to mix for rest of this year to get it def over 1k by december? Smartcredit and creditsesame?

 

 

Hard pulls DO still fall off EX after 2 years, though, right? So 3 years of softs is longer than just letting them fall off... Maybe I'm missing facetiousness online...

Step 1: Pull your reports daily until you accumluate 1000+ soft pulls and you have so many the system will no longer let you backdoor

Step:2 EX app spree

Step 3: Order your hard copy report over the phone

Step 4: EX will manually purge all your softs in order to generate a report to mail you and it will take a few hards from your Step 2 app spree with them thus resulting in EX B*

Step 5: Profitttttttttttt

 

The moral of the story is, if you subscribe to a daily puller you might as well pull your reports everyday so you can fill up the capacity of softs that your EX report can hold for fearless apping down the road. For those of us that fear EX inquiries more than cancer, it will give us a nice opportunity to app spree for that known EX pullers that we have avoided (ie AMEX, BOA, CITI, US BANK, Chase, etc) due to the pain and anger that hard inquiries cause. It's a good way to lessen the damage.

[TheCaptain11]

So theoretically if since the end of last year i was backdoor and usaa pulling daily by this december id be near 1k? What other soft pullers to add to mix for rest of this year to get it def over 1k by december? Smartcredit and creditsesame?

 

 

Hard pulls DO still fall off EX after 2 years, though, right? So 3 years of softs is longer than just letting them fall off... Maybe I'm missing facetiousness online...

Step 1: Pull your reports daily until you accumluate 1000+ soft pulls and you have so many the system will no longer let you backdoor

Step:2 EX app spree

Step 3: Order your hard copy report over the phone

Step 4: EX will manually purge all your softs in order to generate a report to mail you and it will take a few hards from your Step 2 app spree with them thus resulting in EX B*

Step 5: Profitttttttttttt

 

The moral of the story is, if you subscribe to a daily puller you might as well pull your reports everyday so you can fill up the capacity of softs that your EX report can hold for fearless apping down the road. For those of us that fear EX inquiries more than cancer, it will give us a nice opportunity to app spree for that known EX pullers that we have avoided (ie AMEX, BOA, CITI, US BANK, Chase, etc) due to the pain and anger that hard inquiries cause. It's a good way to lessen the damage.

 

And with EX, is it every soft? or just the pullers?

[Occam]

I don't know if it works consistently but I do know this: If you keep talking about this method you will lose it long before you manage to rack up 1000 softs.

 

IMHO this method is not practical anyway. It is WAY easier to just wait 2 years.

[disnugaswagg]

I just B* three inquiries recently

 

All you have to do is rack up so many soft inquiries (2-3 years worth) that you can no longer back door EX and then just call the number it gives you to order a mail report. They will delete every single soft and take a few hards with it.

 

I know 2-3 years is a long time but keep in mind that it doesn't work the same way as EQ and TU work meaning that the softs don't have to be older than the inquiries. I lost recent inquiries when it happened!

 

After 2 years they would be removed anyways... right ?

[foeplay]

Sigh...you guys are missing the point.

 

say you have 0 hard inquires on EX right now, you then load up your report full of soft pulls. 1000+ is just a guess as I've never counted, you'll know when your report can no longer hold softs because you will no longer be able to backdoor your EX report, it will give you an error such as this:

http://creditboards.com/forums/index.php?showtopic=473956&st=0&p=4527942&fromsearch=1entry4527942

 

Ok now once you get that screen you begin your EX app spree, then call that number you get in the error message when you backdoor and order a hard copy report. Something in EX's system forces them to purge all the softs on your report in order to print a report. Said purging will also remove 2-3 hards in the process (which will be very new inquiries since you just app spreed). Unlike the other bureaus, the softs don't have to be older as this isn't really B*, but a software glitch.

 

B* is serious business so if you still don't get it, don't even try.

 

FCIX will not be repeated again

[BobWang]

That's actually FC X, Repairerer is credited with FC ix.

[Repairerer]

[foeplay]

[gabbyraja]

Oh, I hella B* my other CRAs. I guess I just don't have that many EX pullers in my sights...? So, it's not THAT important to me, maybe...?

[cookiemommy]

I get it and am actively going to try. As of now I have zero ex hards, I will try to use as many services as I can plus backdoors this year, research two to three experians I want to app for and then follow instructions and report back.

 

Sigh...you guys are missing the point.

 

say you have 0 hard inquires on EX right now, you then load up your report full of soft pulls. 1000+ is just a guess as I've never counted, you'll know when your report can no longer hold softs because you will no longer be able to backdoor your EX report, it will give you an error such as this:

http://creditboards.com/forums/index.php?showtopic=473956&st=0&p=4527942&fromsearch=1entry4527942

 

Ok now once you get that screen you begin your EX app spree, then call that number you get in the error message when you backdoor and order a hard copy report. Something in EX's system forces them to purge all the softs on your report in order to print a report. Said purging will also remove 2-3 hards in the process (which will be very new inquiries since you just app spreed). Unlike the other bureaus, the softs don't have to be older as this isn't really B*, but a software glitch.

 

B* is serious business so if you still don't get it, don't even try.

 

FCIX will not be repeated again