Do you have any CRs frozen? If so maybe it can't ID verify you?

Ah, finally got in today after calling AM3X. How humiliating. Anyway, one month trial period, only allowed one pull during trial. Weak.

In other news, down to 2 TU from 5 yesterday. Don't know how or why. I would think it would be down to 3 but maybe I got help from another source. EQ still at 11.

I like the TU rebrands more than the EX rebrands. EX lumps like inq's together. It only shows 8 inq's for me when TU services show 11. First time I saw that I got excited. Oh well.

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.

win333 said: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.


I have 22 hard inquirys on Equifax that I am trying to bump off. I am subscribing to TC, CIDP, and CWG and am now up to 120 softs now and no bumpage yet! Here are the soft inquirys from my 6/28 report:

AR-ADVANTA BUSINESS SERVICES 06/11/08, 05/27/08, 05/12/08, 04/09/08, 03/12/08, 02/08/08, 01/11/08, 11/13/07
NATIONAL INTERBANK,INC. 11/23/07
PRM-AMERICAN INTERNATIONAL ADVERT. 11/20/07
ANDERA 06/13/08, 02/04/08
PRM-AT&T Wireless 03/11/08, 09/27/07
PRM-BANK OF AMERICA 07/06/07
PRM-BARCLAYS BANK DELAWARE 06/24/08, 10/09/07
PRM-CAPITAL ONE 10/15/07
INTERSECTIONS 10/04/07, 10/02/07
CD-INTERSECTIONS 10/01/07
PRM-CHEVRON USA 09/24/07
CIC/EXPERIAN ALRTS 06/19/08
Q-SPACE 04/05/08
CIC/EXPERIAN RPTS 06/19/08
AR-CITIBANK 04/25/08, 03/28/08, 02/29/08, 01/25/08, 12/28/07, 11/30/07, 10/26/07, 09/28/07, 08/31/07
AR-CITI CARDS CBSD 04/25/08, 03/28/08, 02/29/08, 01/25/08, 12/28/07, 11/30/07, 10/26/07, 09/28/07, 08/31/07, 07/27/07, 06/29/07
PRM-CITI CARDS CBSD 01/31/08, 01/04/08
PRM-CITIFINANCIAL 08/29/07
AR-CITI SD- PRIVATE LABEL RETAIL 04/25/08, 01/25/08, 12/28/07, 11/30/07, 10/26/07, 09/28/07, 08/31/07, 07/27/07, 06/29/07
PRM-CONN CREDIT CORP 09/27/07
PRM-DISCOVER FINANCIAL SERVICES 07/02/07
Equifax 06/01/08
ND-Equifax 06/01/08
ND-Equifax 06/01/08
ND-Equifax 06/06/07
Equifax Consumer Services 06/22/08
ND-Equifax Consumer Services 06/27/08, 06/26/08, 06/24/08, 06/23/08, 06/22/08
ND-Equifax Consumer Services 06/22/08
ND-Equifax Consumer Services 09/15/07, 09/07/07, 08/30/07
FAIR ISAAC 09/22/07, 08/23/07
FAIR ISAAC 08/23/07
ND-FAIR ISAAC 08/23/07
AR-FEDERAL HOME LOAN MORTGAGE CRP 05/08/08
AR-FIA CSNA 05/01/08
AR-FIA CSNA 02/14/08
FIRST ADVANTAGE CREDCO/ 06/27/08, 06/26/08, 06/24/08, 06/23/08, 06/22/08
FIRST ADVANTAGE MEMBERSHIP 06/22/08
AR-FNANB/Circuit City 06/12/08, 03/13/08, 12/13/07, 09/06/07
PRM-GEMB/JC PENNEY 04/09/08
PRM-GEMB/WalMart 01/31/08
PRM-HOUSEHOLD BANK 02/29/08
INTERSECTIONS 09/01/07
PRM-MDA CAPITAL, INC. 07/31/07
AR-PENTAGON FEDERAL CREDIT UN 06/12/08, 03/13/08, 12/13/07
PRM-PEOPLES BANK CREDIT CARD 01/11/08, 10/12/07
TrueCredit/PRIVACY MATTERS 123 04/21/08
TrueCredit/VERTRUE 04/25/08, 04/24/08, 04/23/08, 04/22/08, 04/20/08
TRUELINK 06/27/08, 06/26/08, 06/25/08, 06/24/08, 06/23/08, 06/21/08, 06/20/08, 06/18/08, 06/17/08
TRUELINK 06/18/08
PRM-TXU ENERGY SERVICES 10/17/07
ND-VERIZON WIRELESS-HO/IDS 11/23/06
PRM-WACHOVIA CORPORATION 02/07/08
PRM-WASHINGTON MUTUAL 08/25/07


win333 said:My theory is this:
...
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.

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

This hasn't been my experience at all... Many of my AR entries are stacking up, as you can see especially the advanta and citibank entries add a new soft inquiry every month.

Started pulling in July with 4 services and then went to 5 after about a week, B* began on my EQ report at around the 160 pull mark, TU at around 70.

Newb question but which service do you guys use to look at soft inqs? I'm currently using CS/CK/PM123/Chase.

chocula said:narbi said:Newb question but which service do you guys use to look at soft inqs? I'm currently using CS/CK/PM123/Chase.

Not sure which one, but dispute something with one of those and it will show your soft inquiries.what iammad said. That thread has the links you'll want to use in order to view softs.

fightingthelandlord said:My landlord hired a Detective to look into my finances. This is against the law. I see Mighty Net showing up on my credit report. Do you think this potentially could be the detective trying to access my credit reports?

So, you never applied for credit from Mighty Net?

1. Get printed copies of the reports that Mighty Net pulled.
2. Send Mighty Net a nice certified letter, asking what their permissible purpose was in pulling your credit.

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.