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Bumping inquires to raise you score

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Justin

Justin

Joined: 17 Jul 2006
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28935 Magic Points

 
Posted on Mon Oct 27, 2008 8:45 am  

Bumping inquiries is a process by which you can remove hard inquiry listing from your Equifax and Transunion credit report but not from Experian credit report. The database of Equifax and Transunion can store only a limited number of hard inquiries. Now, soft inquiries do not get listed in the credit report and have no impact on your credit score and so people perform soft inquiries on the two credit reports to remove the hard inquiry listing. Now for this you need to pull out your credit report daily because to use bumpage as an instrument to remove the negative listing at least 60 to 100 pulls are necessary.
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goodnatured



Joined: 03 Nov 2007
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Posted on Mon Oct 27, 2008 2:16 pm  

Omg, that is a lot of pulls, do you think it is worth it? Have you tried this.

So you would almost have to pay to have it pulled right? and then pull it yourself daily?
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fireyone



Joined: 26 Feb 2008
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Posted on Mon Oct 27, 2008 11:04 pm  

WHOA...that is an enormoous amount of pulls. Gn I don't think if you pull it yourself it will hurt your score but Justin would have to let us know this for sure. The reason I can not imagine it hurting if you do it yourself is because many people purchase a plan through these agencies to have unlimited access to their report so they could pull it a zillion and one times if they wanted..If this how it works the membership fee would certainly be well worth it!!!
goodnatured



Joined: 03 Nov 2007
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Posted on Sat Nov 08, 2008 1:31 pm  

You would almost have to pay for a plan at some point to make it cost effective I would think. You only get three frees a year and that is from three different agencies, so if you need to pull multiple times from the same one, you would need to pay.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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111 Magic Points

Subject: credit
 
Posted on Tue Dec 09, 2008 8:32 am  

You can only pull WHAT once a day, CREDITPRO? I know you can get your CR's once a year, without paying.

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