breathing_easier Posted October 7, 2004 Report Share Posted October 7, 2004 I pulled PG daily for a few months in 2003 and from the end of August until now. I didn't have many inquiries left on EQ and TU as I haven't applied for any sort of credit since January 2003. This past Monday I finally attained my very first bumpage, but also noticed something odd; on both EQ and TU inquiries (mostly CAs from 2002) bumped off before and after my mortgage inquiries, but the mortgage inquiries haven't budged. Has anyone else noticed that certain inquiries seem to be more steadfast than others? Link to comment Share on other sites More sharing options...
creditmonitoringsucks Posted October 7, 2004 Report Share Posted October 7, 2004 Mortgage Inquiries must remain for longer. Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Author Report Share Posted October 7, 2004 Mortgage Inquiries must remain for longer.Curious as to where you got that information? I've never heard that or read it anywhere. Are you thinking of mortgage tradeline reporting as opposed to mortgage loan application inquiries? I don't think it would apply here anyway because some of the inquiries that were bumped by pulling PrivacyGuard were due to expire after the mortgage inquiries that remain. Link to comment Share on other sites More sharing options...
zerwas Posted October 7, 2004 Report Share Posted October 7, 2004 I have pulled for 2 month's now and only noticed bumpage on TU. Nothing on Equifax (CSC). Did you say you had bumpage on Experian? That would be great if that does work but I generally heard that your not able to get bumpage on Experian. Any one out that can chime in on this? Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Author Report Share Posted October 7, 2004 Did you say you had bumpage on Experian? That would be great if that does work but I generally heard that your not able to get bumpage on Experian. Any one out that can chime in on this?Oops, sorry, I now notice that I typed "EX" instead of "EQ." I'm always doing that and having to go back and edit. They need to rename one of those CRAs so I'm not so easily confused! ha. Nope, no bumpage on Experian. I haven't heard of anyone getting bumpage on EX, only TU and EQ. Link to comment Share on other sites More sharing options...
anti-something Posted October 7, 2004 Report Share Posted October 7, 2004 i cant get any mortgage inqs to bump off, everything else from before and after has gone, but those suckers just dont move. i've been pulling almost daily for about 8 months straight. Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Author Report Share Posted October 7, 2004 i cant get any mortgage inqs to bump off, everything else from before and after has gone, but those suckers just dont move. i've been pulling almost daily for about 8 months straight.Wonder what it is about them? My current mortgage company (the ones who bungled my debt settlement) recently pulled three hard inquiries instead of soft inquiries when I called to ask a question. They admit that they should have been soft inquiries, but do you think I can do anything to get them to correct their error? Now knowing that those puppies will stick like glue for two years really ticks me off. Grrrr.... Link to comment Share on other sites More sharing options...
gprncss Posted October 7, 2004 Report Share Posted October 7, 2004 can't get any bumpage on TU either. Got almost 4 pages of soft inquiries but that's it, nothing comes off until their appointed time. I know I'm been tracking them Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Author Report Share Posted October 7, 2004 can't get any bumpage on TU either. Got almost 4 pages of soft inquiries but that's it, nothing comes off until their appointed time. I know I'm been tracking them When I was pulling last year for a few months I didn't get any bumpage. Since then, though, I've pulled actual copies of all three reports numerous times, had many disputes (where they then provide you with a new report), etc., so that might also have had something to do with my recent bumpage success. Link to comment Share on other sites More sharing options...
morrow Posted October 7, 2004 Report Share Posted October 7, 2004 Mortgage Inquiries must remain for longer.Umm......Ive never heard that. Could you please give solid evidence to back up your claim?Inquiries remain for 2 years, whether that be mortgage/auto/credit card inquiries, however the most recent ones (within the past 6 months) have the bigger impact on your score. Link to comment Share on other sites More sharing options...
creditmonitoringsucks Posted October 8, 2004 Report Share Posted October 8, 2004 Well what solid evidence do you want? I have a mortage inquiry on my report from 1998 and it is 2004.They continue to verify the inquiry should in fact remain. Link to comment Share on other sites More sharing options...
gprncss Posted October 8, 2004 Report Share Posted October 8, 2004 can't get any bumpage on TU either. Got almost 4 pages of soft inquiries but that's it, nothing comes off until their appointed time. I know I'm been tracking them When I was pulling last year for a few months I didn't get any bumpage. Since then, though, I've pulled actual copies of all three reports numerous times, had many disputes (where they then provide you with a new report), etc., so that might also have had something to do with my recent bumpage success.Wish I could say the same for me. I must admit, TU has been very good at giving actual hard copies of my report with every "concluded" dispute. But no inquries have fallen off by dispute or bumpage Fortunately, most of them (car loan inquiries) have now fallen off. I am now down to 9, 2 of which I recently added by applying for the discover card and Providian (which I didn't get) other wise I would have been @ 7, 5 of them are older than a yr! After a year, they don't really affect your scores right? Link to comment Share on other sites More sharing options...
breathing_easier Posted October 8, 2004 Author Report Share Posted October 8, 2004 Well what solid evidence do you want? I have a mortage inquiry on my report from 1998 and it is 2004.They continue to verify the inquiry should in fact remain.I think your getting "inquiry" confused with "tradeline." An inquiry is when they pull your credit report for review. There are two types of inquiry...soft and hard. A soft inquiry is usually the result of a current creditor pulling for the purpose of reviewing your account for a possible credit line increase, or a credit company wanting to send you an offer for a new credit card. A hard inquiry is usually generated when you are applying for credit. When you view your credit reports you will see a separate heading for Inquiries. I think what you're referring to as being dated 1998 on your credit report is the date your mortgage account was opened and that is a tradeline, not an inquiry. Tradelines cannot be bumped off, they must be disputed off with the CRAs (credit reporting agencies).Welcome to the CIC, creditmonitoringsucks. Take the time to read the entire board fully, including all the links at the top of this page and all the permanent threads ("stickies") at the top of each forum. Also use the Search function to search for items that are of particular interest to you. It will take some time to educate yourself, but it will be time well spent. Link to comment Share on other sites More sharing options...
creditmonitoringsucks Posted October 9, 2004 Report Share Posted October 9, 2004 This is not a tradeline this mortgage was NEVER offered to us. Link to comment Share on other sites More sharing options...
morrow Posted October 9, 2004 Report Share Posted October 9, 2004 Well, to be honest with you...Ive never heard of anything like this and havent heard of anyone else with this issue. Maybe its just on your credit report that this happened. Link to comment Share on other sites More sharing options...
breathing_easier Posted October 9, 2004 Author Report Share Posted October 9, 2004 This is not a tradeline this mortgage was NEVER offered to us.So on your credit report(s) it is reporting under the Inquiries section? That would be odd. Is it reporting on all three CRAs, or just one? If it is, in fact, an inquiry from 1998 then you need to take it a step beyond the dispute process. A strongly-worded letter stating that they are in violation of the FCRA and citing the section may do the trick. I've never had an inquiry stay on my reports more than two years. Link to comment Share on other sites More sharing options...
breathing_easier Posted October 9, 2004 Author Report Share Posted October 9, 2004 This is not a tradeline this mortgage was NEVER offered to us.So on your credit report(s) it is reporting under the Inquiries section? That would be odd. Is it reporting on all three CRAs, or just one? If it is, in fact, an inquiry from 1998 then you need to take it a step beyond the dispute process. A strongly-worded letter stating that they are in violation of the FCRA and citing the section may do the trick. If it's not TU, then sometimes you can get a phone rep at the other two that will delete the inquiry based on your conversation. If they see that the inquiry is dated 1998, my guess is that they would delete it immediately. TU would be another story. Link to comment Share on other sites More sharing options...
creditmonitoringsucks Posted October 9, 2004 Report Share Posted October 9, 2004 They aren't deleting anything right now they aren't even speaking to me for that matter.You should read my other thread. Really you should it might clue you in as to what has been going on.We are vicitims of a massive identity theft.We have creditors that don't belong to us, we have inquiries that don't belong to us all being hidden from us in subfiles with my husband's SSN on them, so far I have documented over $300,000 in fraudulent debt.I have collectors calling for debts we never took out that are NOT even in our name just the SSN matches.We have bureaus sending us "we elect to maintain fraudulent information letters" TU for example. You can view it here www.geocities.com/creditmonitoringsucks the bureaus ELECT to maintain fraudulent information even after being notified by police victim and receiving letter from FTC chairman, and then refused to pay their insurance claim for their credit monitoring service by stating that since the information is kept in another file we have NO proof we have been damaged.In short right now my credit reports are in a black hole so deep no letter can reach them, unless it is an injunction, and we have already filed in court for those.We have all told sent multitudes of sternly worded letters from us our lawyers and others.They think all this is perfectly legal. They are going to court. Link to comment Share on other sites More sharing options...
garddawg Posted October 15, 2004 Report Share Posted October 15, 2004 At this point, if I were you, I would contact your state Attorney General's Office. I would also go ahead and take them to court. Nothing like a lawsuit to sometimes get them to either straighten up or get the matter to drop. If nothing else, I would be a constant thorn in their side. After all, it's the squeeky wheel that gets oiled. Good luck..... Link to comment Share on other sites More sharing options...
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