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.)