blueranger Posted September 23, 2003 Report Share Posted September 23, 2003 today 10 inquires disappeared from my equifaxreport. instantly... I have been doing pulls throughpg for months with nothing. I disputed theseinquires and poof there gone instantly. samewith Transunion. no bumpage by pulls but Isent a dispute in and there all gone.The bad news is that yesterday 598 tu 10 inquirestoday 602 zero inquires.tu 617 (true credit)ex 640 (credit expert)eq 602 (privacy guard)when I began my score was zero on all and I had atleast 20 neg entries each. with at least two judgements. 8) Link to comment Share on other sites More sharing options...
Capepuffin Posted September 24, 2003 Report Share Posted September 24, 2003 CONGRATULATIONS BLUE! That is excellent results, way to go! Link to comment Share on other sites More sharing options...
sisflomi Posted September 24, 2003 Report Share Posted September 24, 2003 Thats good news blue, really good to hear. Link to comment Share on other sites More sharing options...
morrow Posted September 24, 2003 Report Share Posted September 24, 2003 Yeah for Blue!! Link to comment Share on other sites More sharing options...
blueranger Posted September 24, 2003 Author Report Share Posted September 24, 2003 don't let any one say it is easy butit is truly possible I am living proof.I started with a zero score on alland had at least 20 or more negswith at least 2 tax leins and 1 judgementeach..breaking into the 600's feels greatyou all get all the credit.. Link to comment Share on other sites More sharing options...
Susan811 Posted September 24, 2003 Report Share Posted September 24, 2003 Could somebody please clue me in on how to do bumping? Link to comment Share on other sites More sharing options...
wert Posted September 24, 2003 Report Share Posted September 24, 2003 SusanDo a search and you will find tons of info on this. We talk it to death!!! Link to comment Share on other sites More sharing options...
vonniegirl Posted September 25, 2003 Report Share Posted September 25, 2003 YEAH!! GO BLUERANGER GET BUSY YOUR CREDIT'S CLEAN.... YEAH!!! Link to comment Share on other sites More sharing options...
BkMaster Posted September 25, 2003 Report Share Posted September 25, 2003 Congrats blue, I had a simular experience with the help of this site. I got rid of 3, thats right count em, 3 BKs, and about 30 negs., in less than 2 months, I wen tfrom a average score of 470 to 650. Now I'm at a 605 because of all the stuff I just got, truck, personal loan, camper, CCs, all without a problem. Link to comment Share on other sites More sharing options...
sisflomi Posted September 25, 2003 Report Share Posted September 25, 2003 Could somebody please clue me in on how to do bumping? EQ Technique Call them up (888 873-5357) and tell them that you don't recognize the inquiries and that you never authorized them. That's it. They will tell you that they'll put in dispute for 21-30 days but in reality they take it off in a few days. THAT'S IT FOLKS!!! EX Technique Call them up (800 583-4080) and ask for their fraud department, tell them you have inquiries that you did not authorize and that you don't recognize. They WILL put them under investigation for 30 days and then delete them. Not one that my girlfriend & me dispute (over 20) have ever been verified. They may ask you if you want to put a fraud alert on your account. You can do that if you like. To cancel it at any time you just call them back up and tell them to cancel it and they will cancel it within 7 days. It may help if you put a fraud alert first then 2 days later make the call. Adds validity to your claims. THAT'S IT FOLKS!! TU Technique (I've heard about) 1) Threaten to sue after following up with letters sent CRRR. 2) Sob stories (my girlfriend got all hers off with this technique) 3) Bumpage Link to comment Share on other sites More sharing options...
blueranger Posted September 25, 2003 Author Report Share Posted September 25, 2003 I give all the credit to clean living, proper nutrition andflossing daily along with visiting this site 2 or 3 times per day. Link to comment Share on other sites More sharing options...
Capepuffin Posted September 25, 2003 Report Share Posted September 25, 2003 I disputed w/TU and they never investigated! I know this because they never sent me anything after the investigations were up! All my hard inq's are still there, plus 3 new ones due to mortgage co!Do you think that I should dispute over the phone again or do it by mail? Blue what did you say in your letter to TU to get them deleted? Link to comment Share on other sites More sharing options...
sisflomi Posted September 25, 2003 Report Share Posted September 25, 2003 Try this one capeYour Name 123 Your Street Address Your City, ST 01234 Big Credit Bureau Their Street Address Some City, ST 56789 2/10/1999 Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible: CREDITOR AGENCY, acct. 123-34567-ABC The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Sincerely, Your Name SSN# 123-45-6789 Link to comment Share on other sites More sharing options...
Capepuffin Posted September 25, 2003 Report Share Posted September 25, 2003 Thanks sis! I have had a split file in the past and figured I throw that in too. My mother in law and I have the exact same name and we also used to live in the exact same town. We are also married to the exact same husbands! LOL ones a Jr ones a SR, so it is really confusing around here.I'll use that letter and modify to my needs . Thanks again! Link to comment Share on other sites More sharing options...
sisflomi Posted September 25, 2003 Report Share Posted September 25, 2003 Anything for you!!!!! I had my fun with the split files, EQ and TU got me. Link to comment Share on other sites More sharing options...
blueranger Posted September 25, 2003 Author Report Share Posted September 25, 2003 I just used one of sis's letters... and I think I must havegotten an employee who just didn't care. Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 I disputed w/TU and they never investigated! I know this because they never sent me anything after the investigations were up! All my hard inq's are still there, plus 3 new ones due to mortgage co!Do you think that I should dispute over the phone again or do it by mail? Blue what did you say in your letter to TU to get them deleted?How did you dispute them? Got proof (i.e., CRRR)?If you do.... use the "HEY! I DISPUTED AND YOU DIDN"T INVESTIGATE AND IT'S BEEN MORE THAN 30 DAYS! YOU HAVE TO DELETE THEM NOW OR I WILL SEE YOU IN COURT YOU LYING SCUMBAGS!" Link to comment Share on other sites More sharing options...
Guest KARENMW67 Posted September 25, 2003 Report Share Posted September 25, 2003 I have 10 Gone with TU and have 28 More to go ,but it's working. I can't access worthknowing anymore and have emailed to have account reset.NO LUCK 8 times at least. Anyone have any suggestions I'm only able to use PG. Link to comment Share on other sites More sharing options...
sisflomi Posted September 25, 2003 Report Share Posted September 25, 2003 One thing you can do is go to tu online once a week and pick that you were denied credit and get a free report. With that many inqs you need to be careful, you prob have a big file, and your gonna end up splitting it up. When that happens, it will take time and effort to get it back together.Just send them a letter and try to get them off that way. Link to comment Share on other sites More sharing options...
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