jfharper said:chocula said:c = choppage, your credit file gets too many inquiries and your file is split.
I thought that was splitage, and choppage was where your softs get removed before they B* an inquiry...I could be wrong on this.

Also, what are people doing if the report gets split...do they request the be merged back?

You are correct--"c" is usually referring to choppage, when extraneous (thought quite useful) soft inquiries are chopped off. "Splittage" is when for whatever reason (too many inquries, accounts or otherwise, I'm not sure if anyone knows yet), your credit file is split into two separate files. The solution to splittage is as you've mentioned, merging, which requires intervention over the phone or otherwise.

tuffghost said:I signed up for the 90 day trial, and it appears the inquirys do stack, or at least what I meant by "stack" is every day when I pull a new report, it adds the new date on to my report but preserves a list of all the prior dates that I pulled on. This is the way it appears on the samples that jackcrawfish posted. So based on that, shouldn't CWG actually help with b*?
This is the only date that changes for me on my report:
ND-Equifax Consumer Services 06/25/08
When I pull my report today it will change to 06/26/08 but the old date will be gone.

The wife uses NCIP only. She got c* the same day as me.
TrueCredit/VERTRUE 06/25/08, 06/24/08, 06/23/08, 06/21/08, 06/19/08, 05/31/08, 04/30/08, 03/31/08, 02/29/08, 01/31/08, 12/31/07

tuffghost said:jackcrawfish said:the new soft shows up. they do not stack

Rorer714 said:I stand corrected, this does not help with b*. When you update your report the old soft inquire gets replaced.


I signed up for the 90 day trial, and it appears the inquirys do stack, or at least what I meant by "stack" is every day when I pull a new report, it adds the new date on to my report but preserves a list of all the prior dates that I pulled on. This is the way it appears on the samples that jackcrawfish posted. So based on that, shouldn't CWG actually help with b*?

I have 22 hard inquirys on EQ I am trying to bump off. I have been pulling daily with TrueCredit, Chase, and CWG for about a week now and I am up to 114 soft inquirys now. I wonder how many more it will take to see something happen. I haven't yet been chopped. I'm hoping for the best.t-ghost.....

In light of Rorer714's comment regarding he and his Mrs, have you checked your report for choppage yet?

tuffghost said:jack, yes I've pulled my report just about every day and haven't yet gotten chopped. Here are the relevant portions of my 6/23 report:

EQU*FAX   	06/01/08
......
TRUELINK   	06/18/08

EQU*FAX   	06/01/08
.....
TRUELINK   	06/18/08

IMO, the choppage occurred on or about 6/19 for me and Rorer714 and since you signed up for CWG on 6/22 I'm theorizing you weren't subject to the "3rd-Thursday-Of-Every-Month" query identifying clients near the purported EQ inquiry storage limit.

Congrats, t-ghost... I think you will see bumpage very soon.

Out of sheer curiosity, you mentioned 114 softs from a post earlier. If I may, with whom were the majority of those softs with (top 3 maybe)?

jackcrawfish said:IMO, the choppage occurred on or about 6/19 for me and Rorer714 and since you signed up for CWG on 6/22 I'm theorizing you weren't subject to the "3rd-Thursday-Of-Every-Month" query identifying clients near the purported EQ inquiry storage limit.

I'm curious what the constitutes as being 'near the purported EQ inquiry storage limit'. It would be great to run one service and get 90 softs and finish the next month strong.

jackcrawfish said:Excellent post. Thanks for the detailed write-up.

IMO, the choppage occurred on or about 6/19 for me and Rorer714 and since you signed up for CWG on 6/22 I'm theorizing you weren't subject to the "3rd-Thursday-Of-Every-Month" query identifying clients near the purported EQ inquiry storage limit.

Congrats, t-ghost... I think you will see bumpage very soon.

Out of sheer curiosity, you mentioned 114 softs from a post earlier. If I may, with whom were the majority of those softs with (top 3 maybe)?


Thanks, hopefully I did just escape this round of choppage. Your post is the first I've seen of this "3rd-Thursday-Of-Every-Month query", where did you hear about this or is this a theory you have?

I just pulled my 6/27 report and I am now up to 116 softs. In response to your question where a bulk of my soft inquirys are, they are all in account review lines ("AR") I have several that are stacking up, especially my Advanta and Citi cards which do an AR monthly and my Circuit City and Penfed cards every 3 months. Here are the entries from my 6/27 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
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
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
AR-FNANB/Circuit City 06/12/08, 03/13/08, 12/13/07, 09/06/07
AR-PENTAGON FEDERAL CREDIT UN 06/12/08, 03/13/08, 12/13/07

They are only supposed to stay on your report for 12 months so I am expecting 2 of them to drop off in the next few days.

I started pulling after May 15 because of several reports of c* on that day. I didn't have CWG at the time. I got CWG on 6/14 and showed c* on 5/23. I had an EQ dispute report on 5/23 which didn't show any c*. I think I made the c* radar by starting daily pulls and disputing. My theory is they add people to a c* list and the lucky ones get c* every month, on the schedule that jackcrawfish posted.

swishyx said:jackcrawfish said:tuffghost said:Your post is the first I've seen of this "3rd-Thursday-Of-Every-Month query", where did you hear about this or is this a theory you have?purely my own personal theory... if it's of any use to other viewer's I've linked my "research" below

I haven't been screaming about it, but I have received c* monthly since March, and have been routinely a day or two later than the initial reports each month. I'd have to check exact dates but the 3rd week of the month sounds about right.(TONGUE IN CHEEK)

I'M YELLING NOW! EVERYONE PAY ATTENTION!!! EQ IS CHOPPING LIKE CRAZY AND THERE SEEMS LITTLE TO DO FOR BUMPAGE UNLESS YOU FEEL LIKE PAYING $50 EACH MONTH FOR 5 SERVICES -- IS IT REALLY WORTH IT?!@%#!!??? NOT FOR ME, IMO.

THANKS FOR THE POST AND ADDED DATA POINT SWISHYX!

ok i feel better now. I guess if you want bumpage, begin on or about the 23rd during said month with 5 daily services mentioned everywhere... pull daily posting roughly 150 softs before next chop date.

The link now appears to take you to $5.90/month and my reading is that you keep seeing the same report not a new updated 24+1.