Latest Research & Development - Trans Union "Enhanced" reports

[BDK]

A question asked by pakman - http://creditboards.com/forums/index.php?showtopic=500231&p=4820401

I originally posted below in a wrong thread. Here it is. I hope it's more relevanat here.

As others have reported, there does seem to be two distinct versions of TU CRs. (At least for me). When I pull from the TU directly (free annual report, paid rerpot, or one resulting from disupte), they seemed to have all my previously bumped inquiries. When I pull from myFICO, I don't see those inquiries.

Furthermore, In my case, I found other differences between the two reports. 1.some remarks (descriptions) were missing on TU (enhanced) reports. 2.
lates info on DW's only negative accounts were different. myFico was
missing one of the 30 day lates.

I guess the ultimate question is when creditors such as mortgage lenders, pull, which version of the reports they would get.

That IS a great question, and one that I have been dying to find the answer to!!! Here's my latest take:

• Of course we already know that 3rd-party pullers are all showing zero.
• myFICO doesn't acknowledge B* inquiries.
• My "Enhanced" BD report shows 12 inqs ( 6 of which are in the last 365 days), and SEVERAL HUNDRED SP's.
• I recently have had a mortgage pull done by CBC/Innovis, which I understand to be a TU-based trimerge report. The addresses and employment history across the three reports are somewhat differing for me. The address and employment history match PERFECTLY with what is only shown on my TU report. The inqs on the trimerge are listed as only from "the last 365 days", and the only TU inq is the one from the CBC/Innovis pull. NO OTHER INQS ARE SHOWN!

This pretty much confirms for me what I've been trying to say all along - that the enhanced reports are an illusion, a smokeshow and are not the reality of what creditors really see (or 3rd-party daily pullers either). And this aligns with my old hypothesis on why none of my most recent approvals have never mentioned my inquiries (especially Barclays)!! How or why these enhanced reports exist remains a mystery for now... Not like I was ever worried about them anyways.

 

B* LIVES!!

[mbl280]

Good post BDK! Thanks!

[hrguy]

Good BDK. The thing that I am wondering about now, with these newer inquiries that we get since the inception of the enhanced reports, is if they will be b*able? I have two from January and I have had no luck yet, maybe I am just not there yet with the 65. But my reports have been enhanced since October.

[BDK]

Good BDK. The thing that I am wondering about now, with these newer inquiries that we get since the inception of the enhanced reports, is if they will be b*able? I have two from January and I have had no luck yet, maybe I am just not there yet with the 65. But my reports have been enhanced since October.

No need to wonder, I've B* since the "enhanced" report. And I'm about to do it again.

[hrguy]

Guess I better get back on my game, I kinda fell off with SCP and CK thinking it was over.

[bigmammal]

This pretty much confirms for me what I've been trying to say all along - that the enhanced reports are an illusion, a smokeshow and are not the reality of what creditors really see

 

Why would TU bother creating illusionary reports?

[pakman]

This is entirely my guess, but, I do not believe it's the case of TU creating illusionary reports. I think thery are using different software/methods to pull CRs for consumers/dispute etc. vesus monitoring services (can't say anything about what lenders get since we don't have any data point).

 

I only care about this for two reasons. 1. I want to know what lenders see when they pull. 2. I can only dispute based on what I see, but seems that lenders may see something else.

[Guest]

A question asked by pakman - http://creditboards.com/forums/index.php?showtopic=500231&p=4820401

 

I originally posted below in a wrong thread. Here it is. I hope it's more relevanat here.

 

As others have reported, there does seem to be two distinct versions of TU CRs. (At least for me). When I pull from the TU directly (free annual report, paid rerpot, or one resulting from disupte), they seemed to have all my previously bumped inquiries. When I pull from myFICO, I don't see those inquiries.

 

Furthermore, In my case, I found other differences between the two reports. 1.some remarks (descriptions) were missing on TU (enhanced) reports. 2.

lates info on DW's only negative accounts were different. myFico was

missing one of the 30 day lates.

 

I guess the ultimate question is when creditors such as mortgage lenders, pull, which version of the reports they would get.

 

 

That IS a great question, and one that I have been dying to find the answer to!!! Here's my latest take:

• Of course we already know that 3rd-party pullers are all showing zero.
• myFICO doesn't acknowledge B* inquiries.
• My "Enhanced" BD report shows 12 inqs ( 6 of which are in the last 365 days), and SEVERAL HUNDRED SP's.
• I recently have had a mortgage pull done by CBC/Innovis, which I understand to be a TU-based trimerge report. The addresses and employment history across the three reports are somewhat differing for me. The address and employment history match PERFECTLY with what is only shown on my TU report. The inqs on the trimerge are listed as only from "the last 365 days", and the only TU inq is the one from the CBC/Innovis pull. NO OTHER INQS ARE SHOWN!

This pretty much confirms for me what I've been trying to say all along - that the enhanced reports are an illusion, a smokeshow and are not the reality of what creditors really see (or 3rd-party daily pullers either). And this aligns with my old hypothesis on why none of my most recent approvals have never mentioned my inquiries (especially Barclays)!! How or why these enhanced reports exist remains a mystery for now... Not like I was ever worried about them anyways.

 

B* LIVES!!

 

Indeed...

 

And the magic # of INQs for TU is?

[bigmammal]

I think there‘s no reason for TU to create the enhanced reports other than to sell them to their main business customers who, I assume, are lenders. So I would expect lenders to switch to those over time, assuming they do contain more info. The fact some of you are able to see such reports might indicate some lenders could have already bought them from TU.

[BDK]

 

This pretty much confirms for me what I've been trying to say all along - that the enhanced reports are an illusion, a smokeshow and are not the reality of what creditors really see

 

Why would TU bother creating illusionary reports?

 

 

How or why these enhanced reports exist remains a mystery for now...

[BDK]

I think there‘s no reason for TU to create the enhanced reports other than to sell them to their main business customers who, I assume, are lenders. So I would expect lenders to switch to those over time, assuming they do contain more info. The fact some of you are able to see such reports might indicate some lenders could have already bought them from TU.

 

 

 

The point I was trying to make was that CBC/Innovis did not list my B* inqs on my trimerge mortgage pull. THAT in fact I have in a real paper copy, so I am not assuming any longer about THAT mystery. If any lenders were to be able to purchase these "enhanced" reports, wouldn't you think it would be a mortgage lender? How come I've had so many oustanding rewards cards approved during the last year and not one single lender has ever said a whisper about all of my inqs?

 

I'm merely answering the question pakman (and many other people as well have) asked in another thread, based on my current finding plus the experiences I've had during my extensive B* research over the last few years. I've spent a great deal of time and money, but this has managed to completely elude me, until I got my hands on this report. Definitely not because of a lack of actual effort from this Bump Influence either.

 

Things are constantly evolving in the world of B*. So I completely expect that things will never stay the same for very long.. If they did, would any of you require the services of all the Bump Influences any longer?

[deadbishop]

Bdk great work and I thank you for your research and posting on this. Glad I got answers for what i was looking for on this topic.

[deadbishop]

I was just thinking how much more money cra's are making from B*. Think about it... By letting us B* we pay for daily pulls from more then one place. If B* didn't work then a lot of us wouldn't be spending as much on more the one daily pull site.

SCP you know is making most of their money from B*

 

I could be wrong but a part of me thinks they are going along with the game and trying to make it look like they trying to find a way to stop the fun.

 

Just hard to believe they can't just stop it if they wanted too. JIMHO of course.

[BDK]

I was actually surprised today by my first B* of the current cycle.

[cheafie]

I suspected this all along, but nice to have a mortgage pull guinea pig verification.

[BDK]

Still B* them pesky TU inqs!

[funkiehouse]

Interesting..

[Occam]

Most still don't see them, and by the time that changes the ones you B* today will probably be too old to matter.

 

Carry on.

[BDK]

BTW on the topic of enhanced TU reports

 

on my mortgage app they asked about all inquiries in the last 120 days

 

3 EX, 1 EQ, 0 TU

 

no mention of the several TU inqs B*d, so they didn't see them.

[mizliz1011]

 

A question asked by pakman - http://creditboards.com/forums/index.php?showtopic=500231&p=4820401

 

I originally posted below in a wrong thread. Here it is. I hope it's more relevanat here.

 

As others have reported, there does seem to be two distinct versions of TU CRs. (At least for me). When I pull from the TU directly (free annual report, paid rerpot, or one resulting from disupte), they seemed to have all my previously bumped inquiries. When I pull from myFICO, I don't see those inquiries.

 

Furthermore, In my case, I found other differences between the two reports. 1.some remarks (descriptions) were missing on TU (enhanced) reports. 2.

lates info on DW's only negative accounts were different. myFico was

missing one of the 30 day lates.

 

I guess the ultimate question is when creditors such as mortgage lenders, pull, which version of the reports they would get.

 

That IS a great question, and one that I have been dying to find the answer to!!! Here's my latest take:

• Of course we already know that 3rd-party pullers are all showing zero.
• myFICO doesn't acknowledge B* inquiries.
• My "Enhanced" BD report shows 12 inqs ( 6 of which are in the last 365 days), and SEVERAL HUNDRED SP's.
• I recently have had a mortgage pull done by CBC/Innovis, which I understand to be a TU-based trimerge report. The addresses and employment history across the three reports are somewhat differing for me. The address and employment history match PERFECTLY with what is only shown on my TU report. The inqs on the trimerge are listed as only from "the last 365 days", and the only TU inq is the one from the CBC/Innovis pull. NO OTHER INQS ARE SHOWN!

This pretty much confirms for me what I've been trying to say all along - that the enhanced reports are an illusion, a smokeshow and are not the reality of what creditors really see (or 3rd-party daily pullers either). And this aligns with my old hypothesis on why none of my most recent approvals have never mentioned my inquiries (especially Barclays)!! How or why these enhanced reports exist remains a mystery for now... Not like I was ever worried about them anyways.

 

B* LIVES!!

 

Indeed...

 

And the magic # of INQs for TU is? THERE IS A NEW CHART ON MASTER B* thread.