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HomeCredit ForumCredit repair

will this act as bumpage?

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ebe



Joined: 25 Jul 2008
ebe's page
Posts: 3



324 Magic Points
Subject: will this act as bumpage?
 
 Posted on Sat Jul 26, 2008 1:01 am  
When I request reports through myfico, privacyguard or creditkeepers, does that count as bumpage?
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 378



4034 Magic Points
 
 Posted on Sat Jul 26, 2008 1:02 am  
I believe that the CRAs have figured out and taken measures to prevent bumpage
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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2654 Magic Points
Subject: credit
 
 Posted on Sun Jul 27, 2008 9:29 am  
Ok...maybe this is 'stupidity moment' on my part. I never heard of Bumpage. Can someone explain, please? Thanks.
 
SunDevilsFan



Joined: 09 Nov 2007
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Posts: 192
Location: Sunny Arizona


6672 Magic Points
 
 Posted on Sun Jul 27, 2008 4:24 pm  
Well, a couple of years ago a person could do multiple inquiries via. internet of their CR. If you did it once a day, everyday for several months, the person would begin to see the hard pulls to "bump" off their reports......

This procedure worked for some while at the same time it didn't for others. Why? No one knows for sure. I haven't seen a good answer or explanation yet.
 
Lorri



Joined: 15 Jul 2008
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Posts: 295



6 Magic Points
 
 Posted on Sun Jul 27, 2008 11:45 pm  
So you are saying that if you checked your report often enough it could/would eventually change by the items seen as negative falling off? Very interesting if so.
 
carol

carol

Joined: 27 Jun 2006
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Posts: 368



10126 Magic Points
 
 Posted on Mon Jul 28, 2008 12:02 pm  
Hi sdchargers
Bumpage is a process of removing hard inquiries from your credit report. This is common in removing hard inquiries from the Transunion and the equifax reports but not from the Experian report. Since the Transunion and the Equifax reports can accommodate only a few credit inquiries, old inquiries usually replace the new once for both hard and soft inquiries. Now soft inquiries do not lower your credit score, and so people conduct a number of soft inquiries, so that these soft inquiries replace the old hard inquiries and the hard inquiries goes out of your credit report.
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Subject: nice information
 
 Posted on Mon Jul 28, 2008 2:12 pm  
Hello, this was the right thing that you have done. I don’t think that you were wrong.
All the best!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2844



1608 Magic Points
 
 Posted on Mon Jul 28, 2008 2:53 pm  
Well I never heard of the bampage thing either but it is pretty interesting.
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Tue Jul 29, 2008 1:30 am  
so how does one make a soft inquiry happen? Do you think that it is too late to do it, do you think that they have anything in place to avoid the bumping?
 
fireyone



Joined: 26 Feb 2008
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Posts: 2844



1608 Magic Points
 
 Posted on Tue Jul 29, 2008 12:23 pm  
It was listed earlier in this post that CMBV believes that they have taken measures to keep this from happening. Always a little too late. That would have been nice, even if it is a bit shady. I don't believe it is shady cause these daysz you have to fight to keep your own credit report in good standing and these other companies get away with so much. A little fire power on our end would have been a good thing.
 
SunDevilsFan



Joined: 09 Nov 2007
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Posts: 192
Location: Sunny Arizona


6672 Magic Points
 
 Posted on Tue Jul 29, 2008 6:21 pm  
I am with you fireyone... I dont consider it shaddy at all..

It is a real chore and a serious juggling act just to get and keep your credit score in a more favorable state.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 891



2654 Magic Points
Subject: credit
 
 Posted on Wed Jul 30, 2008 2:01 am  
OIC..I think I get it now. Sounds interesting. So..you say if you have enough 'soft inquiries' you can eventually get all of the 'hard inquiries' removed? Why does it work for 2 CB's and not the other one?
 
fireyone



Joined: 26 Feb 2008
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Posts: 2844



1608 Magic Points
 
 Posted on Wed Jul 30, 2008 12:20 pm  
Probaly one caught it and stopped it. I kind pof think it isn't bad. Not being rude or anything but why shouldn't the good guys have a little defense tactic?
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 378



4034 Magic Points
 
 Posted on Wed Jul 30, 2008 7:50 pm  
As nice as it would be to be able to 'defend' your score a bit the CRAs are a buisness. If they do not provide the companys who use them an accurate picture of your credit and your recent need for additional credit which can indicate financail hardship they wont be in buisness to long
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fireyone



Joined: 26 Feb 2008
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Posts: 2844



1608 Magic Points
 
 Posted on Thu Jul 31, 2008 2:02 pm  
Once again CMBV good points.
 
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