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Credit score drops 5 points per hard enquiries

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Justin

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 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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Justin
goodnatured



Joined: 03 Nov 2007
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450 Magic Points

 
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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123 Magic Points

 
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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Posts: 3931



450 Magic Points

 
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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Posts: 1883



1916 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.
wynchym
Guest






Subject: bump credit inquiry
 
Posted on 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.
TheGooch
Guest






Subject: Bumping
 
Posted on 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.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Thu Dec 15, 2011 5:51 am  

I tried to apply for credit somewhere..I was denied. According to my CR, I have 'several credit inquires. However,..I haven't applied for any kind of credit in a few years, anyway. So,.how can I have too many credit inquiries? How long does a credit inquiry stay on your credit?
matzcrorkz
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Subject: XUrmpsmFQMcEUgCm
 
Posted on Wed Aug 06, 2014 3:36 am  

foi5Te Thanks for the blog post. Great.
cryptech
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Subject: hacking services
 
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Subject: You need a better credit
 
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