How do you scrub your Experian file? I thought bumpage didn't work with them..?

Could someone summarize the story of super* in easy language in quick summary? I tried figuring out from his / her description what is done, but could not.
Thanks in advance,

What do you say, about $2 Million and it's safe to move to Costa Rica?

I think the OP has quite a few talking points that many here would be interested in.

First and foremost.

Any links to good threads that discuss how to efficiently remove credit inquiries. Emphasis on
efficiently. Sure I can write letters until I'm blue, but getting it done with the first one is
best. Do online disputes work better than a letter in the mail?, or is it vice-versa? What is the
specific reason that is stated for the dispute? (here's hoping that it will be an honest reason, even
if it's stretching the truth).

I'm assuming that since OP is a pro at this now, he either has his own thread, or has a well
written thread in mind that put him on the fast track.

Thanks in advance.

supercreditman said:fwfquaker,

I only carry about $15 at the most in my wallet, a debt card, my Nat'l City biz, BOA LOC card, and First Horizon LOC, and Wright Express fuel card. I hate buying anything that I don't think I can sell at a profit quickly.

SCM

Slightly off-topic, but you really should carry more than $15/20 in cash with you at all times. All it takes is another major power outage or some other catastrophe, where people will be accepting cash only for their services (cab rides, gun buying, bottled water, etc)... $300k in cc in your wallet won't help you if that occurs.

I don't like to carry anything unnecessary with me around the car auctions. I've already lost a dealer plate or 2 over the last couple months. If I don't have it, I don't spend it. When I have it, my employee asks me to give him money for the hardware store or gas in the company truck, or DW wants me to buy dinner, or give the offering in church. I am extremely focused on survival and try to be shrewd with whatever I must buy. Appliances are scratch and dent at Lowes or from whole house yard sales or auctions, etc.

FVQuaker,

There's also some software program that lists your logins and passwords. I've read about it on the forums but just never got around to streamlining my account access.

Right now, I'm juggling some of DW's balances around with BT offers to lower the rates on her balances, the largest of which was her 2004 Nissan 350z convertible which she bought with credit I arranged for her in the middle of my financial crisis when I needed to beg for more time to get caught up with bill. She's much more irresponsible than I am. Magazine subscriptions galore, clothing coming in the mail every couple of days, etc. Driving me nuts.

I am about to head out to the second car auction of the day. No good deals today, at least in my opinion.

I disputed one of the bad account histories on my EX report. Still waiting to see if MBNA refreshes, improves, or deletes. I never said EX will remove inquiries. However, I did, one time, call the fraud dept at EX and dispute them, and made clear I didn't want a fraud alert on my reports. Guess what! They did NOT put the fraud alert on the report and they DID delete every inquiry I disputed. EQ, as I said, is easy. TU, still waiting for B to work.

People have asked what my scores are. EQ is 711, EX 721, and TU 724 as of about a month ago when I pulled right from MYFICO. The True Credit TU score is right now 779, was 790 before the 13 recent inquiries. Providian PFICO also at a high 776 for the TU report. If I didn't have those baddies on the reports from MBNA, I'd be really high, but they are aging and now have less effect on the scores. My scores back in 10-03 were high 500's.

SCM

SCM

supercreditman said:I am about to head out to the second car auction of the day. No good deals today, at least in my opinion.

SCM and SIS, I heard a lot about the Used car auctions but never seen one. Right now I am looking for a Car, something on the high end BMW, Merc..... at a low price. Can you guys help me? BTW Im near Boston.

taxmantoo said:pruks said:
SCM and SIS, I heard a lot about the Used car auctions but never seen one. Right now I am looking for a Car, something on the high end BMW, Merc..... at a low price. Can you guys help me? BTW Im near Boston.

If the public is allowed in, you may as well buy it on eBay.
If it's dealer only, you need to come to an agreement with a dealer you have some confidence in. My dealer has been in the used car biz for about 40 years, and provides great service for $500. You order your car, and when he finds it at auction, he test drives and inspects, then calls you on the phone to find out if you want it and how much you'll pay. Then if he wins the auction, you meet him that afternoon and check it out yourself. If you want it, you pay him his cost plus $500 that day. If you don't want it, he marks it up and puts it on the lot. Make a habit of turning down cars and he'll quit buying them for you. I'm sure there is somebody to equal him within 50 miles of Boston, but I have no idea how to find him. I found my dealer by word of mouth.

I bought 2 cars in CA in a similar way, except that the dealer actually got potential buyers in to the auction site (by getting used badge/stickers) so we can inspect the car and be beside him as he bids on it. He charged me less than $500 because he said "the dealership gets incentives by buying a lot of cars".

Attaboy, supercreditman!!

Now what is the point of this thread?

so SCM please tell us how you did it!

(see my first response in this thread)??

any strategy in applying? just found every app you could? please share!

great so far... you dont need to do a card-by card blow by blow detail, just explain the basic strategy.

ie apply for some cards, dispute the inquiries off, then apply for more?
find cobrand apps?
???
etc?