largeeyes said:I have 18 TU, 12 EXP and 10 EQ inquiries. Most of these will drop off the end of February as 2 years will have elapsed. Is it worth it, or even possible to try to B* these off?

It depends on what you want to do (appspree sooner or appspree later?) By bumping now (still possible at TU and EQ with 4-5 services), you could net incremental cash between today and February 2009.

the following is from dead TU bumpage thread...

 

 

jackcrawfish said:llh703 said:Am I to understand that you pay monthly monitoring fees to all 5 of these products? That would seem a little expensive for me, and it just seems like "overdoing" the monitoring..but to do that every month..seems a little extreme to me..Agreed. It is overdoing it if you have no plan other than to understand how 5 soft hits per day affect your TU credit file. However**

**NOTE: I'm planning an AOR in the next 30 days ... (for easy reference, see SIS sticky and DaveHanson post)

...from which I expect to yield and added 250,000 in new credit lines
...from which I expect to yield and added 170,000 in new BalanceTransfer money
...from which I expect to yield and added $6000-8000 dollars in interest income

...from this new income, I can afford to sink expenses of...

1)11.99 per month CHaseIdentProtect,
2)11.95 per month CreditSecire,
3) 5.95 per month National City Identity Protect,
4) 9.95 per month True Credit
5) 0.00 per month CreditKarma.


Without bumping EQ and TU inquiries I only ...

...I expect to yield and added 100,000 in new credit lines
...I expect to yield and added 60,000 in new BalanceTransfer money
...I expect to yield and added $2000-3000 dollars in interest income

dbreaker said:largeeyes said:I have 18 TU, 12 EXP and 10 EQ inquiries. Most of these will drop off the end of February as 2 years will have elapsed. Is it worth it, or even possible to try to B* these off?

The 18 TU inq can be bumped off using non-TU related services like CreditSecure, ChaseIDProtection, etc.. the 10 EQ inqs will require some work (daily pulls from 4-5 monitoring svcs), and you can forget about the 12 EXP inqs.

If you're applying for new credit or doing an AOR in the near future, then I would try to b*; otherwise I wouldn't.

anyone been able to bump anything lately? i had some TU's drop off somewhat randomly after being added back. EQ inqs don't want to budge. this is a problem. (only pulling CS and PM123 btw.)

also as a side note, just got a call from barclays asking for all kids of info from me about why my credit report went from $0 to $250k+ in credit card debt in two months. first time i've had a call like that. damn you credit crunch.

I was able to bump 9 inquiries off of EQ. I had 12 total and I was unable to bump the last three, two of which are Ameriprise for car insururance which plan to dispute, and the final which was an inquiry from when the land lord pulled the report prior to obtaining my rental lease. I believe since these last three are classified differently in the system, bumping does not work the same way.

The first drop was noticed at exactly 100 pulls.

The following services were used:
-ChaseIDProtection
-Credit Secure
-Privacy Matters123
-TrueCredit
-Credit Check Total

I was able to bump 9 inquiries off of EQ. I had 12 total and I was unable to bump the last three, two of which are Ameriprise for car insururance which plan to dispute, and the final which was an inquiry from when the land lord pulled the report prior to obtaining my rental lease. I believe since these last three are classified differently in the system, bumping does not work the same way.

The first drop was noticed at exactly 100 pulls.

The following services were used:
-ChaseIDProtection
-Credit Secure
-Privacy Matters123
-TrueCredit
-Credit Check Total

Choppage was not an issue for me for some reason.

HCAA said:I think AORers would be interested in the following data points (correct me if I am wrong).
And I hope FWFers who subscribe EQ service can continue update the information for us.

My Equifax choppage date from 03-2008

3/23
4/19
5/22
6/19
7/16

I would like to know if everyone get the same or different date?My dates are with in a day or two of yours. I also got hit on 8/3.

brettdacosta said:What are the services you guys use to monitor your SP's? I have 24PP, NC, and CK. I was able to pull a free one with the "denied credit recently" option from Equifax's official site, but they changed that now, and it shows an error and takes a few days to reset before I can do that one again. When Equifax's "denied credit recently" option works, is when I get to see my SP's, but now that it's once every week or so, it makes it hard to find out the actual day they've been cut on.

Also, I'm at 125 right now. I've seen someone say that it was up over 150 before HP's starting b*ing for them. Is this natural? I've been pulling very regularly for about 4 months, and I've been seeing c* a couple times when I get up around this mark. They take me down to only about 80 or so. Where do they usually start to b* off?

Thanks guys,
Brett

There is a simple solution to the choppage problem.

Start your B* the day after C*, then use 5 or so services daily and you'll B* before the next C* date.

Trying to B* while C* is happening is FUTILE!

The only answer is to have B* completed before the next C*.

win333 said:brettdacosta said:What are the services you guys use to monitor your SP's? I have 24PP, NC, and CK. I was able to pull a free one with the "denied credit recently" option from Equifax's official site, but they changed that now, and it shows an error and takes a few days to reset before I can do that one again. When Equifax's "denied credit recently" option works, is when I get to see my SP's, but now that it's once every week or so, it makes it hard to find out the actual day they've been cut on.

Also, I'm at 125 right now. I've seen someone say that it was up over 150 before HP's starting b*ing for them. Is this natural? I've been pulling very regularly for about 4 months, and I've been seeing c* a couple times when I get up around this mark. They take me down to only about 80 or so. Where do they usually start to b* off?

Thanks guys,
Brett

There is a simple solution to the choppage problem.

Start your B* the day after C*, then use 5 or so services daily and you'll B* before the next C* date.

Trying to B* while C* is happening is FUTILE!

The only answer is to have B* completed before the next C*.BINGO!......Win333 has taught us well on the newest method.... 5 services like a madman for 30 days (as most EQ choppage occurs monthly).... it's really quite a game...

After choppage about on 5/20ish, 6/22ish and 7/22ish, I became I began my 4th and 5th service on 7/22/08.

I finally saw bumpage yesterday (8/15) 3 inquiries and more to come with today's pulls...

RisingSun96815 said:What about Citi Identity Monitor? Will it work for bumpage? I don't see it in the quick summary with the other services.
I have it, but can only refresh once a month. I'm almost certain that it contributed to a bump when I refreshed earlier this month.

Any advice on one service to keep? I used TrueCredit, Equifax, and CreditSecure. I tried the PM123 special but got shot down. What do you use as a keeper?

I have been using Chase Identity Protection since May 12. Well, today, I can't login for some reason. I call and during the 6 minute hold music, I check my credit cards to see when I was last charged. I can't find it on any of my spenders even though I know I used my Chase Freedom. I'm not sure what happened, but the rep says that my card was declined in August and September so they closed the account. The expiration date he gave me was wrong and I guess I could have mistyped it but who knows.

So, in the end, I got Chase ID Protection for 4 months for free. Thanks Chase.