My EQ B* experience and test, to try to speed up B* for us AORers

A little background 1st:
On 2/29 I got all my softs from my services (chopped from my EQ report) CHOPPAGE

I started pulling reports daily after 2/29 and began to see B* again, I removed 1 old INQ (2/08)and 3 INQs from 4/08 and BAMM on 4/18 all my softs got CHOPPED again. So I've been pulling daily again to restart my B*, I've since AORed and now have 10 INQ BUT I was at 13 INQs since 4/08.

Summary
2/13/08 1 INQ
2/29 CHOPPAGE
4/08 AOR 13 INQs plus 1 from 2/13/08
4/17/08 I was down to 10 INQs
4/18 CHOPPAGE

This can get confusing so you REALLY have to follow closely and maybe even REREAD the OP above.

3/27/08 I bought a EQ report to see my softs, it actually looks like on 3/25/08 they CHOPPED me and left a 2/29/08 soft for each service. (confused yet) reread.

4/26 I buy a new report and compare with the 3/27 report. I have 63 softs that either got redated or have not changed, even though I was getting B* before the 4/18 CHOPPAGE.

Those softs that where either REDATE (no help for B*) or did not get B*ed are the following.

AR-Advanta biz ser. (redated)
ND-AMEX open the 5/18/06
AR-crap1 (redated)
AR-crap1 bank usa NA NEW SoleP. BIZ account (redated)
AR-crap1 bank usa NA (new soft NOT REDATED) New LLC biz account perhaps
AR- CD intersections
AR-CITI bank (redated)
AR-CITI Cards CBSD (redated)
PRM-CITIFinancial
AR-CITI SD Biz card MC (redated)
AR-Discover Fin ser 10/11/07
EQ info svcs. 09/14/07
PRM-Elite 10/10/07
EQ info Svcs (1 new soft no choppage) Means dates from 10/07
EQ info Svcs (11/30/07) din't change or choppage
EQ update 4 softs NO CHOPPAGE
EQ info Svcs 3 softs NO CHOPPAGE
EQ info Svcs (17 softs NO CHOPPAGE) softs from 9/14/07 up to 4/22/08 17 softs total(I think this is buying EQ rpts)
EQ Consumer Servcs 2/4/08
ND-EQ consumer Srvcs 3/20/08
ND-EQ consumer Srvcs 9/26/07
ND-EQ consumer srvcs 9/26/07
ND-EQ consumer srvcs 9/25/07
ND-EQ consumer srvcs 9/24/07
ND-EQ consumer srvcs 9/15/07 MY 1st AOR stared on 9/15/07
EQ info Srvcs 2 softs 1/4/08 & 9/17/07 (no change)
EQ info srvcs 5 softs from 9/07 to 11/07
DTC-GE card srvcs 09/19/07
PRM-Household Bank 3/25/08 This was not on my report on 3/27/08 but now is dated 3/25/08
Intersections 9/22/07
Scottrade 11/30/07
ND-Suntrust bank 1/25/08
PRM- Sun trust FSB 2/11/08
AR-USbank NA (redated) 3/27/08
PRM-USWF 10/02/07
AR-Washingtonmutual/Providian 1/24/08

Since 9/07 I have AORed 6 times and B*ed my reports 6 times, BUT MANY OF MY SOFTS DO NOT B* OFF.

My theory is this:
1)EQ WILL NOT allow their softs to get B*ed off (maybe for legal reasons ie. a record of EQ employees looks at my report).
2) A Soft CODED (AR)(ND)(PRM) can be redated and is not allowed to grow with multiple dated softs, ie. a new AR replaces an old AR from the same issuer.
3) I have EQ silver (newly purchased 4/08 to lock credit report after AOR) EQ reports cost $8.00 I think each 8.00 add a NON B*able soft to my pile.
I filed 2 INQ disputes last week (2 seperate disputes) and I now have 3 new EQ entries on my report, that I don't think will B*.

ND-EQ 4/21/08 1st dispute (MAYBE)
ND EQ 4/21/08 2nd dispute (MAYBE)
EQ 4/21/08 Employee opening my file for the 2 disputes (MAYBE)

When I compare my 3/27/08 with my 4/26/08 report I count 63 softs that DID NOT B* or were redated. So if EQ holds 119 softs (thats how many are on my report) and I have 63 softs that CAN'T be B*ed and 119 total allowed softs.

119-63=56 I'm starting to think it should only take me 56 or 57 new softs to get B*. It will be different for each of us, depending on how many NON-B*able ND, PRM, AR, EQ softs each of us have.

So I'm thinking if I can get 10, 20, 30 new banks to PRM/AR/ND my report then it might only take 46 or less new softs to start B*.

I can also buy more 8.00 reports (not exciting but a cost of doing business), But I might be able to open a new dispute DAILY to raise the amount of UNB*able EQ entries on my report.

I know this might be VERY HARD for some to follow but it's a little complicated but well worth the time. Maybe some of us FWFers can compare the PRM/AR/ND softs on our reports. Kinda like you tell me who ND/PRM/AR your reports and then I get them to do it to my report and you get my PRM/AR/ND to soft your reports.

Maybe this is what SPLITTAGE is about, we hear stories of split files but it never happens to us. Maybe after you get more than 119 UNIQUE UNB*able softs on your report then it will SPLIT (SPLITTAGE).

I hope everyone can see just how IMPORTANT this is, Since EQ has CHOPPED alot of us in the last 2 months we will need to B* even faster before the CHOPPAGE happens.

I'll read your comments and hope you guys can ADD to this thinking in the name of B* science

The test will be to see if my B* starts at 56 softs from my 1st 4/10 INQ. As of today I have 50 softs since my last CHOPPAGE on 4/18. I pull 6 EQs a day, so tomorrow will be 56 since choppage date.

Just in case it takes 57 softs, I'll buy a myFICO report. so my total will be 51 softs since CHOPPAGE.

My old report HAD a soft for FAIR ISAAC (myFICO.com) but now it's gone, So those softs do B* off.

I've been trying to bump a mid-December EQ inquiry with daily pulls ever since. Still there.

Floydian said: I have two ND's listed on my report--both from car insurance companies back when I requested quotes from them (and provided them with a SSN)--
ND-LIBERTY MUTUAL INSURANCE 09/30/07
ND-PROGRESSIVE INSURANCE 09/30/07

A possibility to add to your list of NDs...

I'm sure I'll be sorry for this (junk mail)

All 3 of my credit reports are frozen, so i'll go apply for those 2 insurance companies and see if I can get a soft from them.

Thanks for posting your softs!

EDIT: Progressive pulled a soft on my Experian

win333 said: Floydian said: I have two ND's listed on my report--both from car insurance companies back when I requested quotes from them (and provided them with a SSN)--
ND-LIBERTY MUTUAL INSURANCE 09/30/07
ND-PROGRESSIVE INSURANCE 09/30/07

A possibility to add to your list of NDs...

I'm sure I'll be sorry for this (junk mail)

All 3 of my credit reports are frozen, so i'll go apply for those 2 insurance companies and see if I can get a soft from them.

Thanks for posting your softs!

EDIT: Progressive pulled a soft on my Experian

Liberty mutual must have pulled either EQ or TU (their rates sucked)

Rorer714 said: Pulled 04/20/08

PRM-CAPITAL ONE  01/11/08
PRM-CAPITAL ONE HOME LOANS   10/15/07, 08/10/07
PRM-CAPITAL ONE NTL ASSOC  06/08/07
PRM-CAPITAL ONE - RTPM   03/14/08, 02/08/08, 06/08/07
PRM-CHASE N.A.  08/28/07, 07/16/07
CIC/EXPERIAN RPTS  04/20/08, 04/19/08, 04/18/08, 04/17/08, 03/31/08, 02/29/08
Equifax INFO SVCS.  09/04/07
Equifax   04/20/08, 03/17/08, 02/08/08, 12/07/07, 08/30/07, 06/30/07
ND-Equifax   04/20/08, 03/17/08, 02/08/08, 08/30/07, 06/30/07
ND-Equifax   03/17/08, 02/08/08, 08/30/07, 06/30/07
ND-Equifax   12/07/07, 09/26/06
Equifax INFO SVCS.  09/05/07
Equifax INFORMATION SVS  08/29/07
ND-FAIR ISAAC   08/26/07
AR-FIA CSNA  12/04/07
AR-FIFTH THIRD BANK- PRESCREEN   03/18/08
FIRST ADVANTAGE CREDCO/   04/19/08, 04/18/08, 04/17/08, 03/31/08, 02/29/08
AR-FIRST ADVANTAGE CREDCO/   12/11/07
AR-FIRST USA,N.A.   05/15/07
PRM ONL-GEMB/DISCOUNT TIRE   02/26/08
PRM ONL-GEMB/LENS CRAFTERS   08/16/07, 06/06/07
AR-HOUSEHOLD BANK   08/10/07
INTERSECTIONS   12/14/07
INTERSECTIONS   10/04/07
PRM-NICOR ENERGY  02/08/08
TREASURY BANK   02/06/08
ND-U.S. BANK   04/08/08, 02/24/08, 09/18/07
AR-US BANK NA   04/01/08
PRM-WASHINGTON MUTUAL  07/16/07

I looked thru this list for something I could apply for without getting a new account reporting on my credit report.

Treasury bank huh? So I looked it up and seen Countrywide bank, so I opened a MM checking account. Then I pulled Experian using the back door and there was no soft from countrywide. So we'll see, I'll buy another EQ report tomorrow.

I might just open up 10 or 20 accounts and just not follow thru with funding

HA HA WE are now in control of our credit reports he he

Thanks Rorer

EDIT: I also made up a DL# when I did the APP, just in case TYRONE is watching

Oh wait, who's that knocking on my door? Hope it's not the FBI

Enlighten me, but why are you so worried about bumping soft inquiries? unless u're applying from current issuers but most likely they'll pull a hard one again.

Any fresh reports of Choppage?

My INQs haven't budged on EQ and now my TU is stuck with 1 INQ from the 17th. Thats 7 softs a day * 10 days, My TUs were flying off.

win333 said: On 4/26 on EQ I had:

119 softs
50 softs since 4/10 (my 1st INQ is 4/10 also)

On 4/28 I have
134 softs
67 softs since 4/10

My Jan 20 report (before any choppage) had 136 softs total (that must be right at the limit of softs)

So I added 15 softs in total since 4/26 but I added 17 since 4/10.

This looks confusing but it looks like at least 1 or 2 softs got B*ed since 4/26.

Well to sum up, it looks like my B* is right on track AS USUAL. There has been no EQ interference, but I was thinking B* would have started already since I have so many old softs that aren't getting B*ed.

I'll report tomorrow.

OH Liberty mutual did pull a soft on my EQ report, thanks for the info!

Good deal on Liberty Mutual--guess they're good for something besides their car insurance... Buffett's GEICO all the way!

As far as clarity goes, bumpage in and of itself is confusing, so that may be part of the lack in popularity. The semi-permanent soft inquiry is interesting though--maybe it needs a good name--bumpage, choppage, hard inquiry, soft inquiry etc... all have easy to remember names.

A hoft inquiry? A shard inquiry?

This is really fascinating stuff. Like I said before, Win333 is a trailblazer. I've been trying to push the envelope for so long, owing much of that success to information discovered by Win333, that the only thing that really interests me much anymore is the uncharted territory.

Freeze Experian, forever locked at zero inquiries...check (I'm still mystified that Win333 was one of the few people who ever thought to test this simple, yet genius tactic on an AOR as a workaround to no bumpage). TU bumpage like an old shoe...check. But, EQ is sometimes fickle. If you can figure out the most efficient work around, it unlocks many possibilities. Like applying for credit wearing a bulletproof vest.

Keep us posted.

AR, PRM, ND?

I'm blanking. Not enough coffee.

AR (Account Review) - stay on your report for 12 months, AR do not stack up, they update with the most recent date.

PRM (Promotional) - these DO stack up, stay on the report for 12 months. I have had C* and these do NOT chop 1 per month like the daily pulls.

DTC (Direct to Consumer) - A type of identity verification, may fall off rather quickly on their own within a few months.

ND - I believe this means not disclosed, as in not shown to others pulling your credit, which is true of all softs. They remain 24 months.

peteypablo said: I'm guessing AR means account review and PRM means promotional offer. I have no idea about ND, but then, I might be on crack.

LOL!

win333 said: swishyx said: Hey win333,

Might help the thread if you list your services.

I have one to add to the pile. Like a true smarty I tied my PM123 to a one-time CC - and like an idiot I let the cancel window pass without updating it. Auto-cancelled my membership and I cannot sign up for another 6 months. However, a sister service is Credit Diagnosis (I got this from a PM123 rep on the phone), at www.creditdiagnosis.com. Same pricing and trial terms. Might be useful to add to your stable.

I update the QS with the services I use, I also put your new service in.

Do you know anything about it?
It's another TrueCredit resell, just like PM123 and NCIP. Should be good for b* on both TU and EQ.

win333 said: even my TU has STUCKAGE!
Stuckage! I win!!!

Word of warning with Credit Diagnosis - I got auto-signed-up for a paid service called "Your Savings Club" as part of it. I don't recall seeing an opt-in or opt-out during the signup process. Cancelled via the website immediately but I found a lot of complaints about this on Google. Confirmed my membership cancellation via phone. Don't know if I'm going to have to dispute a charge to my CC yet.

YMMV. Might want to pull it out of the QS.

marketingmike said: STILL trying to bump an EQ hard from mid-December. Daily pulls since then mean that I should have ~130 softs behind it.

WTF.
What services are you using? It's entirely possible that EQ has chopped your softs just like it has been doing to others.

I read CreditKarma is TU only. I assume you're not pulling myFICO every day - that would be spendy - anyway you probably need at least 2 daily pullers to knock out EQ if they are chopping softs once a month.

win333, my softs from Equifax Gold as of 5/1/08 are below, as well as their key for what the various abbreviations mean. Not sure if any of it will help. I think I count 108 softs right now and am hoping to B* before the next round of choppage, but I've only got two daily EQ pullers. Maybe I'll file some more disputes . PM me with questions.


AR-ADVANTA BUSINESS SERVICES 04/09/08
ND-American Express - OPEN THE 01/23/07
ANDERA 03/05/08
PRM-AT&T Wireless 07/23/07
ND-BANK OF AMERICA 03/20/08
AR-CAPITAL ONE 04/01/08
AR-CAPITAL ONE BANK USA NA 03/13/08
EMPL DTC-CHOICEPOINT ::8622280490 08/11/06
ND-CHOICEPOINT ::8622280490 10/24/06, 08/04/06
AR-CITI CARDS CBSD 03/28/08
DTC-COMPASS BANK-BKCD 04/02/08, 03/19/08
Equifax INFO SVCS. 04/08/08, 03/18/08, 03/07/08, 02/27/08, 02/25/08, 02/25/08, 02/18/08, 01/23/08, 01/22/08
Equifax INFO SVCS. 03/18/08, 02/18/08
Equifax 04/29/08, 04/28/08, 01/22/08, 01/03/08
ND-Equifax 04/28/08
ND-Equifax 04/28/08
ND-Equifax 01/03/08
Equifax INFO SVCS. 04/17/08, 04/08/08, 03/18/08, 03/13/08, 03/07/08, 03/01/08, 02/27/08, 02/25/08, 02/20/08, 02/15/08, 02/14/08, 01/25/08
ND-Equifax Consumer Services 04/25/08
ND-Equifax Consumer Services 04/02/08
Equifax INFORMATION SVS 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/24/08, 03/22/08, 03/22/08, 03/22/08, 02/16/08, 02/11/08, 02/06/08, 01/28/08, 01/28/08, 01/26/08, 01/24/08
AR-FIA CSNA 04/01/08
AR-HOUSEHOLD BANK 04/11/08
PRM-OXFORD LENDING GROUP, LLC 01/30/08
AR-PENTAGON FEDERAL CREDIT UN 03/11/08
TrueCredit/VERTRUE 05/01/08, 04/28/08, 04/26/08, 04/25/08, 04/24/08, 04/23/08, 04/22/08, 04/19/08, 04/18/08, 04/17/08, 03/31/08, 02/29/08
TrueCredit/VERTRUE 05/01/08, 04/29/08, 04/28/08, 04/26/08, 04/25/08, 04/24/08, 04/23/08, 04/21/08, 04/19/08, 04/18/08, 04/17/08, 03/31/08, 02/28/08
ND-U.S. BANK 03/04/08
AR-UNIVERSAL CARD AT&T/CBSD 03/28/08
AR-US BANK NA 04/01/08
PRM ONL-WELLS FARGO BANK 02/25/08

Prefix Prefix Description

PRM Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.
(PRM inquiries remain for twelve months.)
AM or AR Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.
(AM and AR inquiries remain for twelve months.)
EMPL Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
Equifax or EFX Inquiries with these prefixes indicate Equifax’s activity in response to your contact with us for a copy of your credit file or a research request.
ND Inquiries with this prefix are general inquiries that do not display to credit grantors.
(ND inquiries remain for twelve months.)
ND MR Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan.
(ND MR inquiries remain for 24 months.)
PR Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.
(PR inquiries remain for 12 months.)

jackcrawfish said: fattykokoya said: In March and April, they chopped me at the end of the month. This month, they chopped me on the 16th. (becuz I only saw March 30, Apr 30, May 17th, may 18th ... ... ) I am guessing they are going to chop me again on the 30th. Anyway, I gave up... called to cancel keybank PM. Only using AMEX now because i like their 3 fakos. For now, I guess all I could have is faith... that one day somebody at EQ will accidentally turn off the "chopper" so we are all happy again! Maybe one of us from FWF got a job there? hehe.Some of you subscribed to this thread may be interested in a datapoint and discussion here in the Free for 90 days - EQ Credit Watch Gold thread. Perhaps the EQ employees are laughing at our threads but we've got to figure out how to keep EQ bumpage attainable!

BTW, thanks Win333 for your efforts.

Those EQ employees can just keep laughing all they want, the joke is on them or the joke is them. Get enough services and you'll B* before choppage takes place. I used 6 service back in may and B* all off in 2 weeks or so, inbetween choppage dates.