topic Re: Transunion b* in General Credit Topics

Transunion b*

Anonymous — Tue, 24 Feb 2009 19:47:19 GMT

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.

Re: Transunion b*

fused — Tue, 24 Feb 2009 22:11:02 GMT

Your wife was fortunate!

Re: Transunion b*

Anonymous — Thu, 26 Feb 2009 00:27:27 GMT

so this subject is no longer taboo?

Re: Transunion b*

Anonymous — Fri, 27 Feb 2009 00:56:00 GMT

is it possible that it was the CCT daily pulls that did it and the CreditKarma daily pulls were not necessary?

Re: Transunion b*

Anonymous — Fri, 27 Feb 2009 00:57:20 GMT

Um, I'm confused. Thought this was a big no-no to discuss?

Re: Transunion b*

llecs — Fri, 27 Feb 2009 01:23:52 GMT

UpUpUp wrote:
Um, I'm confused. Thought this was a big no-no to discuss?

Re: Transunion b*

Anonymous — Fri, 27 Feb 2009 01:31:16 GMT

in that case, should I delete my post?

Re: Transunion b*

llecs — Fri, 27 Feb 2009 01:33:13 GMT

No, you didn't do anything wrong. It's cool. You can talk about bumpage, you just can't advocate it.

Re: Transunion b*

Anonymous — Fri, 27 Feb 2009 02:11:34 GMT

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

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

Re: Transunion b*

haulingthescoreup — Fri, 27 Feb 2009 02:15:31 GMT

UpUpUp wrote:

@Anonymous 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!

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*

Re: Transunion b*

Junejer — Fri, 27 Feb 2009 02:30:50 GMT

Here's an example:

I got a lot of b* from TU (18 INQs) last year, but none from EQ.

This is okay.

Re: Transunion b*

Anonymous — Fri, 27 Feb 2009 03:31:40 GMT

Hauling, you are so funny.

Byrd, thanks for posting the example.

Interesting change of the rules... I'll leave it at that.

Re: Transunion b*

fused — Fri, 27 Feb 2009 18:37:05 GMT

bump, bump

Re: Transunion b*

Junejer — Fri, 27 Feb 2009 21:50:16 GMT

bumpity bump bump...bump bump *think shave and a haircut*

Re: Transunion b*

Anonymous — Sat, 28 Feb 2009 19:03:14 GMT

So what is CCT?

Re: Transunion b*

Anonymous — Sat, 28 Feb 2009 19:04:52 GMT

Never mind , had a duh moment. Yep I subscribe to that one!

Re: Transunion b*

Anonymous — Sat, 28 Feb 2009 20:58:14 GMT

Well I looked in Abbreviations and can not find the meaning

of CCT and credit karma.

Anyone throw a new-b a bone?

Re: Transunion b*

haulingthescoreup — Sun, 01 Mar 2009 00:05:08 GMT

CCT = Credit Check Total (I think.)

CCT and CreditKarma are two of the credit monitoring services. Many of us use services that allow us to check our reports daily. TrueCredit was a favorite with a lot of people until they changed to allowing only TU pulls daily, with the other two once a month.

With any credit monitoring service, do realize that you're getting it for the ability to frequently view your credit reports. The scores that come with them are FAKO's, and you need to learn to screen them out, along with the advice that they give on improving your scores. They (and the advice) are based on non-FICO formulas.

(myFICO does have credit monitoring services, but they wouldn't be used for daily pulls --too expensive. We use them to check our FICO scores.)

Re: Transunion b*

Anonymous — Sun, 01 Mar 2009 00:37:17 GMT

Credit Karma is free and just shows you a FAKO TU score.

You don't get a report( or if you do I haven't found it).

You get a snapshot, that tells you some negative factors on your report. It also ranks you compared to national stats, your state's stats, etc. and you can use a score simulator.

Re: Transunion b*

Anonymous — Tue, 03 Mar 2009 17:18:41 GMT

Wow, I didn't realize I nearly treaded into controversial waters with this thread! CreditKarma doesn't give you a report, and while the FAKO score itself may be significantly different than your FICO, I believe the TREND should be similar; i.e., if your CK score has been rising for the three months since you last checked your FICO, you FICO should be higher as well.