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First question I got is Where can I can purchase a Discover Card gift card? Hoping for any comment. My 2nd question... You know,.

I AM SKEPTICAL OF MOST THINGS.

And.

MY CCT IS CANCELLED 12/15/09 as I can just do what I did in JUNE OF THIS YEAR Next Year, (5 Days, call to cancel, $9.99).

...

But.

B* WORKS I pulled CCT EVERY DAY since "September" and I have ZERO TU INQs!.

"NO More TARGET No more Books..".

... and Target WAS on there! I got my FREE T.U. with it!.

So! Daily Puller used: ONLY CCT!.

.. Now, I will have ONE Inq from Sep. 2008 fall off Equifax IF I dont attempt B* (Im applying for New Credit "Around Thanksgiving" anyway, is that a time when Lenders SHOULD want to Lend?) ....

... and then I will have 5 Inqs.. ALL more than 12 months old...

... Which means, if my OTHER Credit affairs go well *NJ HESAA, a Student Loan, SHOULDNT want to pull an INQ for LOAN REHABILITATION,) .. I very well MAY be able to get an AMEX or NORDSTROm, as I think my SCORES will be VERY HIGH!.

WHAT DO YO GUYS THINK!?.

THIS IS A SIGN OF THINGS TO COME!!.

TO GOOD THINGS in 2010!!!!.

THANK you ALL!! 2010 Will be VERY GOOD!.

This post has been edited by.

TrevorHere.

: 09 December 2009 - 10:46 AM..

asked Mar 11 at 05:50

Valerie
's gravatar image

Valerie
89


That's a good question. I'm not sure what is the answer. I'll do some research and get back to you if I got an useful answer. You should email the people at Discover Card as they probably can answer it..

answered Mar 11 at 07:05

Adalyn
's gravatar image

Adalyn
2304

That's awesome. I started pulling CCT every day at the beginning of November. I'm hoping for zero inqs soon also - I have 10 on TU and 10 on EQ. UGH!..

answered Mar 11 at 07:43

Sage
's gravatar image

Sage
351

Now, *IF* I were of a certain Asian descent, I might take offense..

But, since I'm not...

answered Mar 11 at 08:09

Lilliana
's gravatar image

Lilliana
2961

Don't forget, they will still show up on another report.. forgot which one it was. Do a search here.. someone posted about it...

answered Mar 11 at 08:18

Kailey
's gravatar image

Kailey
1195

Is someone else confused by this? I thought if you are going through unemployment you can't apply for anything else?.

This post has been edited by.

Karenteresa.

: 09 December 2009 - 10:33 AM..

answered Mar 11 at 09:34

Wyatt's gravatar image

Wyatt
3795

You mean EX? Yea no B* for X. sucks for me since I only have 1 on eq, 5 on TU........ but 11 (LOL!) on ex. Congrats to the OP though!..

answered Mar 11 at 10:28

Ernesto's gravatar image

Ernesto
181

The TU inq's are easy to get off. When I got to 0 I applied for some accounts that pull TU, now back to 3. I am also trying to get off 3 EQ Inq's and these stick more. I have been using CCT, MKC, and USAA..

There is also an HSBC preselector site I pull each day. Is anyone aware of any other preselector sites that pull a soft on EQ?.

ND-HSBC BANK 12/09/09, 12/08/09, 12/07/09, 12/06/09, 12/05/09, 12/04/09, 12/03/09, 12/02/09, 12/01/09, 11/30/09, 11/29/09, 11/28/09, 11/27/09, 11/26/09, 11/25/09, 11/24/09, 11/23/09..

answered Mar 11 at 11:45

Maddison
's gravatar image

Maddison
2151

Thank You Mr Wang!.

Beli is that the "Database" where INQs go when they Die? a Master Database of sorts? I seem to remember some Info that "The CRAs can ONLY access if it IF a CA says that they are Attemoting to service a Debt, AND they cannot locate you." Or something similar...

Karenterusa, YES Im not Applying for anything!!! Im thinking of my Post-UI (Didnt see anything from it yet) Employment and Credit plans. Thinking out loud for the Future, if you will..

Sonicandtae: Thanks..

answered Mar 11 at 12:52

Tristan's gravatar image

Tristan
2282

NOpe.. I believe it's Lexis/Nexis or some such garbage collector of information. they keep track of all inquires for up to two years, so whether you bump them off EQ or TU, they're still in the database on some garbage database collector of information...

answered Mar 11 at 13:42

Joaquin's gravatar image

Joaquin
4738

+1 Yes, Lexis/Nexis is a Prime Suspect. ID advise -Everyone- with RushCard Pre-Paid Debit Visa (Underwritten by M&T Bank) to NOT Opt In with "RushPath to Credit," as it ONLY reports to Lexis/Nexis!.

Makes me think of Innovis, too..

I have been IGNORING L/N and Innovis... NO CLUE that they say! But they are -supposed- to only keep the INQs for 2 years, as per the Big 3 that I am on top of, right?..

answered Mar 11 at 14:04

Brynn
's gravatar image

Brynn
75

CCT AND USAA are redundant as far as EQ goes. It serves no purpose to have both..

Try MPM for a 3rd puller...

answered Mar 11 at 15:15

Paxton's gravatar image

Paxton
1192

I realized the USAA was redundant and don't help, but the layout is nice! Which is MPM? Everything on this board is abbreviated!!!..

answered Mar 11 at 16:02

Alessandra
's gravatar image

Alessandra
2355

The other repository being mentioned is discussed in.

This.

Thread (douginsea was the author but hege has also discussed them in the past)...

answered Mar 11 at 16:29

Sofia
's gravatar image

Sofia
2718

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