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HomeCredit ForumYour Credit Score

Bumping inquires to raise you score

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Elle
Guest
Subject: I want some info
 
 Posted on Wed Apr 09, 2008 3:21 am  
i want to learn how to bump some off
 
carol

carol

Joined: 27 Jun 2006
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Posts: 288



8263 Magic Points
 
 Posted on Wed Apr 09, 2008 7:37 am  
Hi elle,

I am not sure whether this is a valid way or not bot bumping can be done by recurring soft inquiries. Say you make soft online inquiries in your report everyday, gradually after around 50 such inquiries one inquiry at the top bumps off. This is a gradual way to do it. Actually the loop is that for TransUnion and Equifax you can use this tactic but not for Experian.
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Keep in touch
Carol
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1408



34411 Magic Points
 
 Posted on Thu Apr 10, 2008 5:13 am  
Well Carol,

Is that a legit way to remove inquiries? Do hard inquiries drop off as well?
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Regards,
Laura.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2908



529 Magic Points
 
 Posted on Sat May 03, 2008 3:40 am  
I have been reading a lot on tradelines, was all to confusing at one point but then after reading a ton of information, I am getting a better uderstanding on them now,.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Laura

Laura

Joined: 21 Jun 2007
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34411 Magic Points
 
 Posted on Sat May 03, 2008 4:18 am  
Hi goodnatured, the forum will be benefitted greatly if you share some information you have received so far.
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Regards,
Laura.
 
george

george

Joined: 06 Jul 2006
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Posts: 75



2859 Magic Points
 
 Posted on Sat May 03, 2008 4:21 am  
I too agree with Laura
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George Miranda

Money does not buy happiness. Happiness is found in being content with who you are and what you have.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 732



386 Magic Points
Subject: credit
 
 Posted on Tue May 06, 2008 11:44 am  
GOODNATURED...please feel free to share. 'Inquiry Minds Want TO know."..LOL
 
fireyone



Joined: 26 Feb 2008
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Posts: 2488



18151 Magic Points
 
 Posted on Thu May 22, 2008 12:27 am  
Good one Sd
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 732



386 Magic Points
Subject: credit
 
 Posted on Thu May 22, 2008 2:13 am  
Thanks FIREYONE!! I would like to know, like LAURA, if 'hard inquiries' come off, as well.
 
anthony

anthony

Joined: 31 Jul 2006
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Posts: 448



11249 Magic Points
 
 Posted on Thu May 22, 2008 12:05 pm  
Hard inquiries come off only if the inquiries are unauthorized. For this you need to check the credit report where you will find the name of the inquirers. You can ask these inquirers to remove the hard inquiries from the report. If they do not agree, then send them a certified letter to know if they have proper authorization to pull up your credit file. In most cases the inquirer delete the inquiry as a courtesy or because they cannot verify your authorization. But it should be noted that in this way only few hard inquiries can be removed, not all.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2908



529 Magic Points
 
 Posted on Mon May 26, 2008 9:32 pm  
so you have to contact each one of them on your credit record and ask them to remove them individually?

If you have alot is it okay to do a form letter and just put in the company name and address?
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
anthony

anthony

Joined: 31 Jul 2006
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Posts: 448



11249 Magic Points
 
 Posted on Tue May 27, 2008 12:21 pm  
Hi goodnatured
You should contact only those inquirers whom you think unauthorized and hence giving a negative impact on your credit report, not all. However if they are authorized then you cannot threat them by saying that you can sue them under FCRA. For this you need to first ask them in writing whether they have proper authorization to pull up your file. If they don't have authorization, then only they will remove the inquiry from your credit report.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
Guest







 
 Posted on Tue May 27, 2008 12:28 pm  
I think that you can get a letter formatted and just change the name and address of the inquirer and send it through certified mail to each of them. This should solve your purpose.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 380



4081 Magic Points
 
 Posted on Thu Jun 05, 2008 7:16 pm  
here is a thread I found from another forum that explains this process. The thread is from march so some of the info maybe outdated.

.....


Message edited by: dmlavigne1 on 2008-03-31 10:33:37 CDT[/img]
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****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2908



529 Magic Points
 
 Posted on Mon Jun 09, 2008 3:15 am  
sorry guys, Tradelines are the accounts on your report. Sometimes you can be denied because of having too many tradelines, not enough variety of tradelines, or having not tradelines. So they are simply another name for an individual account.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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