missdivantx Posted April 9, 2004 Report Share Posted April 9, 2004 To my surprise, bumpage is working. I started pulling my report daily from Privacyguard on March 17 and as of today I counted 8 inquiries that have fallen off. The older ones are falling off first. 7 from Equifax and 1 from TransUnion. I'm a bit worried about a split file so I'm curious if anyone has had problems with it and how long did it take for your file to split.I also noticed my score has shot up 40 points since I started. I'm don't know if this is because of the inquiries or not but I can't figure out what else it could be. Link to comment Share on other sites More sharing options...
trekie Posted April 10, 2004 Report Share Posted April 10, 2004 Thats great.. I am working on getting my inquiries bumped as well. I have heard of the split file thing but I havent experienced that myself.I have more inquries on TU than equifax and I only have 1 on experian.I am not certian but I have heard you can use eqifax gold to help bumpage also.. Link to comment Share on other sites More sharing options...
J_Snow Posted April 10, 2004 Report Share Posted April 10, 2004 From what I know, Inqs are 3 points a piece... My problem is EQ.. and bumpage doesnt work with them. Only TU and EX. Link to comment Share on other sites More sharing options...
garddawg Posted April 10, 2004 Report Share Posted April 10, 2004 J_Snow,Did you get that backwards? Bumpage works with EQ and TU, not EX. Link to comment Share on other sites More sharing options...
J_Snow Posted April 10, 2004 Report Share Posted April 10, 2004 J_Snow,Did you get that backwards? Bumpage works with EQ and TU, not EX. Oh right.. good, then I can bump EQ... Off to PG now!Thanks! Link to comment Share on other sites More sharing options...
legend Posted April 10, 2004 Report Share Posted April 10, 2004 To my surprise, bumpage is working. I started pulling my report daily from Privacyguard on March 17 and as of today I counted 8 inquiries that have fallen off. Then it stands to reason, that the post somewhere here I read that there are 250 spaces for inquiries must be false? Someone said it takes forever for Bumpage because the agencies have that many spaces for inq'sThe older ones are falling off first. 7 from Equifax and 1 from TransUnion. I'm a bit worried about a split file so I'm curious if anyone has had problems with it and how long did it take for your file to split.I also noticed my score has shot up 40 points since I started. I'm don't know if this is because of the inquiries or not but I can't figure out what else it could be. Link to comment Share on other sites More sharing options...
garddawg Posted April 11, 2004 Report Share Posted April 11, 2004 J_Snow, have you tried calling up EQ and disputing the INQs? I called them and had them take off 5 INQS. The lady said it would take 21-30 days to investigate but they were off my cr by the end of the day. Link to comment Share on other sites More sharing options...
J_Snow Posted April 11, 2004 Report Share Posted April 11, 2004 J_Snow, have you tried calling up EQ and disputing the INQs? I called them and had them take off 5 INQS. The lady said it would take 21-30 days to investigate but they were off my cr by the end of the day.Well, they are valid inqs from our move last year so they are going to be gone by the end of summer anyway... I can wait... Link to comment Share on other sites More sharing options...
trekie Posted April 13, 2004 Report Share Posted April 13, 2004 is it equfiax or experian that bumpage doesnt work? I have always heard equifax but if it is experian that is even better.. I only have 1 inq on Ex but 8 on Equifax.. Link to comment Share on other sites More sharing options...
c m chase Posted April 13, 2004 Report Share Posted April 13, 2004 B doesn't work with EX. And lately, EQ has turned a new trick and has started deleting the soft inqs instead of hards so it's harder for them to pile up. It still works, I think, but not as easily for some. I haven't had B on EQ in a couple months now.My TU is down to 1 though. You can normally call up EQ and say you don't recognize them and they'll delete (usually, as long as you don't have a tradeline that opened the same day as the inq). Bad thing is, people like me who have to go through CSC instead of EQ. CSC has decided against removing inqs for ANY reason now. It never ends with those turds. Link to comment Share on other sites More sharing options...
trekie Posted April 13, 2004 Report Share Posted April 13, 2004 ok.. I am not worried about EX.. I can live with 1.. I think I am going to send a letter to that one anyhow since I dont recoginize it..what about the split file thing? should I be concerned about that?? Link to comment Share on other sites More sharing options...
Wyndo Posted April 13, 2004 Report Share Posted April 13, 2004 As far as I can tell, inquiries only factor into your score (and are only shown to creditors) for one year. I either read this in the FCRA, in an article here, or somehwere - I forget. They remain on your report visible by you the consumer for 2 years, because they appear for 2 years for employment purposes (why that would even be helpful to an employer, I have no idea). Can somebody confirm this? Inquiries older than a year aren't hurting you when you apply for credit, because they're neither seen nor factored into your score...? Link to comment Share on other sites More sharing options...
creditech Posted April 19, 2004 Report Share Posted April 19, 2004 Check out this thread, hopefully it helps a little:http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=13219&highlight=unauthorized+hard+inquiries Link to comment Share on other sites More sharing options...
BostonBabe Posted April 19, 2004 Report Share Posted April 19, 2004 Quick question...I am doing the PG thing for bumpage, am I supposed to be seeing the inqs fall off of the PG reports or do I have to then go check my individula reports?Because nothing is coming off on PG...What gives? Link to comment Share on other sites More sharing options...
paw67 Posted April 19, 2004 Report Share Posted April 19, 2004 Quick question...I am doing the PG thing for bumpage, am I supposed to be seeing the inqs fall off of the PG reports or do I have to then go check my individula reports?Because nothing is coming off on PG...What gives?You will see them fall off on PG. It takes some people alot longer than others. I had 1 drop off of EQ about 2 weeks ago but have 7 more that haven't moved at all. It just depends!!Good luck!paw67 Link to comment Share on other sites More sharing options...
trekie Posted April 19, 2004 Report Share Posted April 19, 2004 yeah I am having the same problem.. hopefully I can see some results in about 2 more weeks..Its onnly been maybe 2 weeks since I satrted trying to bump them off.. Link to comment Share on other sites More sharing options...
creditech Posted April 19, 2004 Report Share Posted April 19, 2004 I cut and paste this from another thread in another forum:Very careful on bumpage with the soft inquiries - often this will result in a mixed or split file with Equifax, meaning that too much data is on file to be contained within one credit report - resulting in two credit reports with two credit scores. This can be quite a mess to fix once split... and it would also mean not using the monitoring service until Equifax could fix the problem.Bumpage can result in good tradelines being bumped and not just inquiries. And if it was an account in which the business since dropped out of the tape system, or worse the company went out of business - then there is going to be about no way to get these accounts added back onto the credit report.Another thing - just because a file splits does not mean you have an advantage over the creditors - they still pull both credit reports & scores, this can usually have a negative affect depending on how they are going to deal with the dual credit scores pulled. Suppose to add both and divide by two, but that is not to say they will.Any second opinions on bumpage? Link to comment Share on other sites More sharing options...
trekie Posted April 20, 2004 Report Share Posted April 20, 2004 well how many is too many? I dont have very many good tradlines at all.. I wouldnt want them bumped off.. Link to comment Share on other sites More sharing options...
missdivantx Posted April 24, 2004 Author Report Share Posted April 24, 2004 I've been pulling PG everyday since posting this thread. I haven't seen anymore fall off. I'm beginning to wonder if it was just a fluke. Link to comment Share on other sites More sharing options...
c m chase Posted April 24, 2004 Report Share Posted April 24, 2004 I got 4 off today on EQ. Score went up 5 points. I heard that TU usually works in cycles if you pull once a day. Someone said that he gets *b* with exactly every 40 pulls. His GF got it with every 48 pulls. Sounds like there's a method to the madness somehow. I only have 2 left on TU...one is only about a couple weeks old - the other is an insurance pull, which are coded to not bump like the others.I have ALSO recently heard that Experian has updated or reorganized their system somehow and *b* has started working there too!! I have yet to see any personally, but some people on CB are reporting it a lot lately. Keep an eye out for that and post it here if it happens.I'm watching like a hawk!! Link to comment Share on other sites More sharing options...
hamsterdance Posted April 24, 2004 Report Share Posted April 24, 2004 Bad thing is, people like me who have to go through CSC instead of EQI was wondering about this. I ordered my credit report from EQ because Circuit City's Visa rejected me and got a report from CSC instead. Who the heck are they and how are they related to EQ?EQ won't let me see their FICO score because they say I have a mortgage (which I don't. I've never owned a house in my life). I'm looking at my report from this CSC and don't see anything on it referring to a mortgage. It only lists the same TL's shown by EX and TU. Link to comment Share on other sites More sharing options...
c m chase Posted April 24, 2004 Report Share Posted April 24, 2004 I was wondering about this. I ordered my credit report from EQ because Circuit City's Visa rejected me and got a report from CSC instead. Who the heck are they and how are they related to EQ?You're one of the unlucky ones like me who have to deal with them. They're almost as bad as Experian - just more stupid.They're just an affiliate of EQ who handles your account. I think they do most of the midwest accounts. I believe every company has their own affiliates, depending on what region you're in. I get results of disputes from "Credit Bureau Services of Oklahoma City" based out of New York. But I send disputes directly to TU....so I dunno.Just dispute with CSC to make it faster...you can do it online (www.csccredit.com) or through the mail (CSC Credit Services...PO Box 981223....El Paso, TX 79998 ). They hardly ever do their jobs and they're as stubborn as EX, so it's a fun ride to say the least. But keep after them. If you have too many problems, tattle on them to EQ - it seems to work. lol Link to comment Share on other sites More sharing options...
bewildered Posted June 16, 2004 Report Share Posted June 16, 2004 I've been pulling PG daily for 4 months with no bumpage yet. geez! Link to comment Share on other sites More sharing options...
Mimi Posted June 18, 2004 Report Share Posted June 18, 2004 What is bumpage?? Link to comment Share on other sites More sharing options...
DocDon Posted June 18, 2004 Report Share Posted June 18, 2004 What is bumpage??Hi Mimi.Best thing to do is click on the "search" tab above and search for the bumpage threads. There's quite a bit to it, and it may serve you better if you read over them at your leisure and ask any questions from there.Welcome aboard! Link to comment Share on other sites More sharing options...
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