LanceT22 Posted August 9, 2005 Report Share Posted August 9, 2005 I was reading the Sticky Post "Credit 101" in this forum... The author writesAfter doing your disputes and having some success you can work on getting inquires off your report. The newer the inquiry the more it is hurting your score. You can get a free report two or three times a day from www.worthknowing.com. Sign up, view your report, then go to the top of the page to My Account and when all your account info shows up, go to the bottom of page and hit delete my account. Once you do this, you can sign up again. Most days I can do it 3-5 times. The reason for this is they begin building up soft inqs. (that's what you get when you view your own credit report and it does not affect your FICO score) After so many softs, it starts to d.e.l.e.t.e. h.a.r.d. i.n.q.s. off of your reports. This is known as b.u.m.p.a.g.e. I know it works, it takes about two months to see inquiries start being removed. This will only work with TU when you use WK and it will work for EQ with PG. More on getting inquiries off your reports: My question is.. does this still work? I have not seen this on any other forum. Is it true that if you generate enough soft inq.'s it will start to "bump" hard inq's out of the file????Thanks,Lance Link to comment Share on other sites More sharing options...
onlybrad Posted August 9, 2005 Report Share Posted August 9, 2005 I heard that 60 inquires will do it. There system can only maintain 60 places for inquires per what I have been told.Brad Link to comment Share on other sites More sharing options...
breathing_easier Posted August 9, 2005 Report Share Posted August 9, 2005 It took about 100 PrivacyGuard pulls for me to see TU bumpage. It varies from person to person. Link to comment Share on other sites More sharing options...
yragcom1 Posted August 15, 2005 Report Share Posted August 15, 2005 Does anyone know how many soft pulls it takes using TrueCredit to bump a hard inquiry? Link to comment Share on other sites More sharing options...
Methuss Posted August 16, 2005 Report Share Posted August 16, 2005 Records of inquiries cannot be deleted and, technically, any CRA that does delete them is violating the law. The FCRA requires that a CRA notify any past inquirers of changes resulting from disputes (section 611d) and that they notify the consumer of anyone who has gotten a copy of the report (section 609a(3)). If they delete the inquiry record they cannot comply with this part of the law. Inquiry records are a matter of fact (who got a copy of your report) and has nothing to do with if they got the copy legitimately or not...See FTC letter Cohen here, section 5:http://news.com.com/Indian+call+center+under+suspicion+of+ID+breach/2100-1029_3-5835103.html?tag=nlThe CRA can't even supress the inquiry because section 609a(3) requires that they provide the info to you, the consumer, with every report. At best they can codify it so it does not affect your score or show to others who obtain your report, if they have such means to do so, but they aren't required to. Link to comment Share on other sites More sharing options...
miracle Posted August 16, 2005 Report Share Posted August 16, 2005 the number of inquiries it takes to initiate bumpage on a person's account varies by person. I have heard of some people pulling everyday for a year with no results and others pulling daily for two months and the hard inquiries start flying off.http://www.debt-consolidation-credit-repair-service.com/phpBB2/search.php?mode=results Link to comment Share on other sites More sharing options...
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