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Bumping inquires to raise you score

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Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

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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Justin

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

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
fireyone's page
Posts: 4285

127 Magic Points

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
goodnatured's page
Posts: 3927

10 Magic Points

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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http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

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.

Wimpy
Guest

Subject: pYkpqIUvJlGPcvYsUC

Sun May 22, 2011 4:53 pm

THX that's a great awnser!

Finch
Guest

Subject: HXFeVgzRjOuNvq

Mon May 23, 2011 12:25 am

Fell out of bed feeling down. This has bgrhitneed my day!

Ice
Guest

Subject: oDEshEBKvygR

Mon May 23, 2011 4:41 pm

Youre the one with the bairns here. Im watching for your posts.

wynchym
Guest

Subject: bump credit inquiry

Sat Jun 18, 2011 12:20 pm

hi guys and gals, this just happend to me totally accidental. I need a car so back in april i joined equifax, they allow you to view you report and score daily which i alway do, however last evening i could not log in, when i called they said the data base was bumped by my checking my report everyday, in other words it looks like i am pulling a soft report on myself but bumps all the hard ones out, wow i was totally psyched, now they have to reset the database, it was a mistake that is gonna help me, cuz i had over 18 inquiries from last year. Now I went to creditkarma, which is free and great for anyone looking to see what their score is, and what you need to do to up it, now it says i only 3 inquires, so this must of obviously worked. Good Luck.

Honeysuckle
Guest

Subject: LWlBqjvisnncVR

Tue Aug 30, 2011 10:00 am

AFAICT you've covered all the bases with this awsenr!

Rena
Guest

Subject: IbPWkJJYxI

Tue Aug 30, 2011 10:39 am

Big help, big help. And superlative news of cuorse.

Lidia
Guest

Subject: fknBjfpaOR

Tue Aug 30, 2011 11:27 am

Wham bam thank you, ma'am, my questions are answreed!

Kevlyn
Guest

Subject: eiXAxTKghhVrU

Wed Aug 31, 2011 3:17 pm

Kewl you suhold come up with that. Excellent!

Janessa
Guest

Subject: ueyaNQvJKDdJ

Wed Aug 31, 2011 9:47 pm

Check that off the list of things I was cnoufsed about.

TheGooch
Guest

Subject: Bumping

Mon Nov 07, 2011 5:44 am

I read a thread about it on creditboards forum. From the thread it used to work but CRA caught on to it and neutered it.

Basically you would pull your credit report every day , filling up the credit pull history field with records of your own pulls. Eventually the field would fill up and push credit pulls from others off of your report.

CRA's fixed it by increasing the field size so that you could never fill up the field, and they limited they number of pulls to once a day.

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