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Established Contributor
Posts: 618
Registered: ‎09-16-2008
0

Transunion b*

Well, after pulling both CCT and CreditKarma daily for several months, all of the hard inqs fell off my wife's TU report!

 

The CCT was needed, as I pull CreditKarma for me at the same time I pull hers, and I still have a ton of hard inqs on mine.

Wife's FICO Scores, 7/10/09: TU:??? EQ:634 EX: ???
Wife's FICO Scores, 2/13/09: TU:??? EQ:604 EX: 630
Wife's FICO Scores, 2/05/09: TU:??? EQ:592 EX: 630
My FICO Scores, 6/19/09: TU:757 EQ:744 EX:758 (all from MB; EQ Agrees)
My FICO Scores, 3/29/09: TU:755 EQ:746 EX: ???
My FICO Scores, 2/05/09: TU:??? EQ:730 EX: 720
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
0

Re: Transunion b*

Your wife was fortunate!Smiley Happy
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007

Re: Transunion b*

so this subject is no longer taboo?
Contributor
Posts: 78
Registered: ‎02-18-2009
0

Re: Transunion b*

is it possible that it was the CCT daily pulls that did it and the CreditKarma daily pulls were not necessary?
Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
0

Re: Transunion b*

Um, I'm confused. Thought this was a big no-no to discuss?
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Transunion b*


UpUpUp wrote:
Um, I'm confused. Thought this was a big no-no to discuss?
Smiley Wink
Contributor
Posts: 78
Registered: ‎02-18-2009
0

Re: Transunion b*

in that case, should I delete my post?
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Transunion b*

No, you didn't do anything wrong. It's cool. You can talk about bumpage, you just can't advocate it.
Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
0

Re: Transunion b*


pjohnston2 wrote:
in that case, should I delete my post?

Apparently I was a wee bit behind the times. Sorry about that! 

Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Transunion b*


UpUpUp wrote:

pjohnston2 wrote:
in that case, should I delete my post?

Apparently I was a wee bit behind the times. Sorry about that! 



Oh, believe me, you're hardly the only one confused! Smiley Very Happy

To repeat, the line is now that it's OK to discuss it, or mention that someone did it; you just can't say, Hey, you need to do this.

*scratches head again*
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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