jackcrawfish said:cashonlyplease said:I have 1 inquiry on Equifax so I wanted this service at this price for ID theft. They will chop the heck out of your file if you get this EQ product so if you are pulling a trimerge everyday this will hurt EQ B.With all due respect, where is it confirmed that an EQ subscription guarantees choppage?In the word of Roz**.....Your stunned silence is very reassuring

**
Roz:    Hello, Wazowski. Fun-filled evening planned for tonight? 
Mike:   Well, as a matter of fact... 
Roz:    Then I'm sure you filed your paperwork correctly, for once. 
[Mike smiles innocently] 
Roz:    Your stunned silence is very reassuring

tuffghost said:Can anyone confirm, does a new soft hit show up every today you update and do the soft inquiries stack up on your report?the new soft shows up. they do not stack

TRUELINK 06/21/08, 06/20/08, 06/19/08, 06/18/08, 06/17/08, 06/16/08, 06/14/08, 06/13/08, 06/12/08, 06/11/08, 06/10/08, 06/09/08, 06/08/08, 06/06/08, 06/05/08, 06/04/08, 06/03/08, 06/02/08, 06/01/08, 05/31/08, 05/30/08, 05/29/08, 05/28/08, 05/27/08, 05/24/08, 04/30/08, 03/31/08, 10/18/07

FIRST ADVANTAGE CREDCO/ 06/20/08, 06/19/08, 06/18/08, 06/17/08, 06/16/08, 06/13/08, 06/12/08, 06/11/08, 06/10/08, 06/09/08, 06/08/08, 06/05/08

Equifax INFORMATION SVS 06/16/08, 06/12/08, 06/07/08, 06/07/08, 06/07/08, 06/07/08, 06/07/08, 04/10/08, 04/09/08, 04/09/08, 04/08/08, 04/03/08, 04/01/08, 04/01/08, 04/01/08, 04/01/08, 03/28/08, 03/27/08, 03/26/08, 03/26/08, 03/22/08, 03/21/08, 03/21/08, 03/20/08, 03/18/08, 03/18/08, 03/18/08, 03/17/08, 03/15/08, 03/15/08, 03/11/08, 03/11/08, 03/06/08, 03/04/08, 03/04/08, 03/04/08, 03/04/08, 02/22/08, 02/22/08, 02/22/08, 02/20/08, 02/12/08, 02/12/08, 02/01/08, 02/01/08, 01/29/08, 01/24/08, 01/16/08
Equifax INFO SVCS. 06/19/08, 06/13/08, 04/25/08, 04/01/08, 04/01/08, 02/09/08, 01/16/08
Equifax INFO SVCS. 06/20/08, 06/12/08, 06/09/08, 04/09/08, 03/12/08, 03/06/08, 01/31/08

Hi Code: how do you site adverse action? Whya does that eliminate the 15 days?

codename47 said:Can save my free report for later this year.
It is silly to use your free report at all. Why not just cite adverse action. Why give them an extra 15 days to investigate

If you don't like the service, cancel within 30 days and you will be charged nothing

Does anyone know if you can easily cancel online?

jackcrawfish said:tuffghost said:Can anyone confirm, does a new soft hit show up every today you update and do the soft inquiries stack up on your report?the new soft shows up. they do not stack

So is the most you will get from cwg is a single soft hit that will keep replacing itself with a new date every time you update? If so then how does it cause b*?

Is this something you order directly from Equifax? then you ought to read the warnings reached from this thread.

jackcrawfish said:jackcrawfish said:cashonlyplease said:I have 1 inquiry on Equifax so I wanted this service at this price for ID theft. They will chop the heck out of your file if you get this EQ product so if you are pulling a trimerge everyday this will hurt EQ B.With all due respect, where is it confirmed that an EQ subscription guarantees choppage?In the word of Roz**.....Your stunned silence is very reassuring

**
Roz:    Hello, Wazowski. Fun-filled evening planned for tonight? 
Mike:   Well, as a matter of fact... 
Roz:    Then I'm sure you filed your paperwork correctly, for once. 
[Mike smiles innocently] 
Roz:    Your stunned silence is very reassuring

excerpt:

WalletMan warns that, while bumpage is fairly effective when done right, it can lead to problems if you don’t know what you’re doing. “Some credit reporting services like Equifax’s Credit Watch will cut off your soft inquiries just before you get to the level needed for bumpage. They call that ‘choppage’.”

Fenster from here:

I’ve said this before, and here it is again, with Equifax, bumping isn’t necessary and takes for ever. All you’ve to do is call them @ 800-846-5279 and tell ‘em the inquiries that are bothering you are all supposed to be soft inquiries. Their rep will delete all of them within 48 – 72 hours with no questions asked and mail you a free report confirming said deletions.

edit: I called provided a recent confirmation number from an EQ report... rep said I need to contact credit grantor. YMMV

CHOPPAGE!!!! UGHHHHH!!!!

The following soft inquiry dates are from June 19 2008 and from June 23 2008 reports received as part of balance dispute investigations (if that make sense):

6/19 rpt: Truelink 06/19/2008 06/18/2008 06/17/2008 06/16/2008 06/14/2008 06/13/2008 06/12/2008 06/11/2008 06/10/2008 06/09/2008 06/08/2008 06/06/2008 06/05/2008 06/04/2008 06/03/2008 06/02/2008 06/01/2008 05/31/2008 05/30/2008 05/29/2008 05/28/2008 05/27/2008 05/24/2008 04/30/2008 03/31/2008 10/18/2007
6/23 rpt: Truelink 06/23/2008 06/21/2008 05/31/2008 04/30/2008 03/31/2008 10/18/2007

6/19 rpt: First Advantage Credco/ 06/19/2008 06/18/2008 06/17/2008 06/16/2008 06/13/2008 06/12/2008 06/11/2008 06/10/2008 06/09/2008 06/08/2008 06/05/2008
6/23 rpt:First Advantage Credco/ 06/23/2008 06/20/2008

6/19 rpt: Equifax 06/19/2008 06/13/2008 06/12/2008 06/09/2008 06/02/2008 05/22/2008 04/25/2008 04/09/2008 04/07/2008 04/01/2008 04/01/2008 03/12/2008 03/12/2008 03/06/2008 03/06/2008 02/09/2008 01/31/2008 01/30/2008 01/16/2008
6/23 rpt:Equifax 06/23/2008 06/20/2008 06/19/2008 06/13/2008 06/12/2008 06/09/2008 06/02/2008 05/22/2008 04/25/2008 04/09/2008 04/07/2008 04/01/2008 04/01/2008 03/12/2008 03/12/2008 03/06/2008 03/06/2008 02/09/2008 01/31/2008 01/30/2008 01/16/2008

6/19 rpt: ND-Equifax Consumer Services 06/19/2008 06/15/2008 06/13/2008 05/22/2008 05/22/2008 09/15/2007 09/15/2007
6/23 rpt:ND-Equifax Consumer Services 06/23/2008 06/20/2008 06/20/2008 06/15/2008 06/13/2008 09/15/2007 09/15/2007

ND-Equifax 06/02/2008 06/02/2008 05/22/2008 05/22/2008 04/03/2007
6/23 rpt:ND-Equifax 06/02/2008 06/02/2008 05/22/2008 05/22/2008 04/03/2007

dougneb said:So you don't have EQ CWG and are still getting c*? Are you or have you ever been a member of the Communist Party... er... uh.. I mean Credit Watch Gold.Yes. I was a member when the choppage occurred.

details...

05/22
I enrolled in free 30 days of Score Watch (Get two free FICO® credit scores and notification of key changes to your score with a 30 day free trial of Score Watch.At the end of the free trial period we will automatically renew your subscription for a twelve (12) month period and charge your credit or debit card $79.95, unless you cancel.)

06/02
I requested report for use in disputing balances.

06/13
I enrolled inadvertently in "Equifax Credit Watch (TM) Gold with 3-in-1 Monitoring" note to C/S:I intended to only order the "Equifax Credit Watch™ Gold" product for the 90 day free trial. While I did review the option of upgrading to the 3-in-1 product, I hit the back button to continue with the free 90 trial product. Please ensure I am enrolled in the free trial product and any applicable charges get reversed. and their response:The cancellation of your Equifax Credit Watch (TM) Gold with 3-in-1 Monitoring was processed successfully. Also, we have processed a refund for this product. A credit of $76.45 will appear on your credit card account within 5 to 10 business days.

06/15
I enrolled in free 90 days of Credit Watch Gold

06/24
11AM CST Found enough evidence above to scare me away from EQ services so I submitted online secure-mail requesting cancelation of Credit Watch Gold service

12PM CST Email announcing the 06/02 investigation was complete. Upon accessing the updated report (dated 06/23), discovered the choppage.