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3 years ago
Thu Dec 02, 2021 1:48 am
DustinD
Secured Rebel
DustinD has been gardening for over 2 years.
Last edited by DustinD on Thu Dec 02, 2021 4:00 pm, edited 1 time in total.
Work in progress. I will rewite this post soon.
If you want to see how much a single HP(hard pull) or multiple HPs affect your various scores on your Experian report during a single day you can keep getting new multi-report pulls through CCT(Credit Check Total) by exploiting the Experian Boost feature.
Simply sign up for boost, and it will give you a new set of every Experian bureau report that Experian offers. To keep 'Boost' from adding points you should pick a bank or credit card that you don't use to pay any bills. If you do get points from Boost anyway just cancel Boost and you will keep your new scores and report. If you plan on adding more than one HP or have other multiple account changes that you want to monitor along each step you can keep updating which accounts you show Boost and canceling or disconnecting accounts afterwards if needed.
In my case I checked CCT in the morning and printed my report and scores to PDF. I then applied for a Citi Rewards+ CC which didn't pull Experian. Nothing to do there. I then applied for an Amex BCE(Blue Cash Everyday) card. This put a HP on my Experian report. I wanted to see how many points it cost me so I signed up for Boost. Boost didn't find any accounts because I picked my Wells Fargo checking account which doesn't have any bills paid from it. I didn't get any points from Boost which allowed me to see that the single HP had cost me 3 points in FICO 8 and 11 points in FICO 2 Mortgage Score. I Printed my report with scores to a PDF file. I then went ahead and applied for a Wells Fargo Active Cash 2% card which didn't pull Experian. If there had been a change to my report such as another HP then I would have added a credit card to Boost, and made sure that the card that I added wasn't used to pay any bills. By picking a card without any bill pay activity I help make sure that it would trigger a new set of reports without altering any results. With my spree finished I disconnected my WF checking account from Boost, thus ending any Boost from my CCT account altogether. No change to anything on my reports and scores after going back to non Boosted report, other than being able to see what my reports looked like before and after my spree.
Screenshots coming tomorrow along with some details and cleanup.
If you want to see how much a single HP(hard pull) or multiple HPs affect your various scores on your Experian report during a single day you can keep getting new multi-report pulls through CCT(Credit Check Total) by exploiting the Experian Boost feature.
Simply sign up for boost, and it will give you a new set of every Experian bureau report that Experian offers. To keep 'Boost' from adding points you should pick a bank or credit card that you don't use to pay any bills. If you do get points from Boost anyway just cancel Boost and you will keep your new scores and report. If you plan on adding more than one HP or have other multiple account changes that you want to monitor along each step you can keep updating which accounts you show Boost and canceling or disconnecting accounts afterwards if needed.
In my case I checked CCT in the morning and printed my report and scores to PDF. I then applied for a Citi Rewards+ CC which didn't pull Experian. Nothing to do there. I then applied for an Amex BCE(Blue Cash Everyday) card. This put a HP on my Experian report. I wanted to see how many points it cost me so I signed up for Boost. Boost didn't find any accounts because I picked my Wells Fargo checking account which doesn't have any bills paid from it. I didn't get any points from Boost which allowed me to see that the single HP had cost me 3 points in FICO 8 and 11 points in FICO 2 Mortgage Score. I Printed my report with scores to a PDF file. I then went ahead and applied for a Wells Fargo Active Cash 2% card which didn't pull Experian. If there had been a change to my report such as another HP then I would have added a credit card to Boost, and made sure that the card that I added wasn't used to pay any bills. By picking a card without any bill pay activity I help make sure that it would trigger a new set of reports without altering any results. With my spree finished I disconnected my WF checking account from Boost, thus ending any Boost from my CCT account altogether. No change to anything on my reports and scores after going back to non Boosted report, other than being able to see what my reports looked like before and after my spree.
Screenshots coming tomorrow along with some details and cleanup.
Click images to enlarge them.
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Score data
Was EX-695 EQ-685 TU-712
Now EX-793 EQ-795 TU-804
F2-797 when AZEO - Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA 18y 7m to 19y
- AoORA 28m
- Date of Last Inquiry and/or New Account Opening December 1st, 2021