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Bumping inquires to raise you score

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Elle
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Subject: I want some info
 
Posted on Wed Apr 09, 2008 3:21 am  

i want to learn how to bump some off
carol

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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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Laura

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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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goodnatured



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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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Laura

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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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george

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Posted on Sat May 03, 2008 4:21 am  

I too agree with Laura
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sdchargers_63

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Subject: credit
 
Posted on Tue May 06, 2008 11:44 am  

GOODNATURED...please feel free to share. 'Inquiry Minds Want TO know."..LOL
fireyone



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Posted on Thu May 22, 2008 12:27 am  

Good one Sd
sdchargers_63

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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

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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.
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goodnatured



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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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anthony

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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.
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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.
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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

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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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goodnatured



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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.
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