Gandolf Posted April 7, 2007 Report Share Posted April 7, 2007 I have a service where I can get a daily credit report for a fixed monthly fee form American Express's online site. Would accessing my account daily and refreshing the credit report each time produce this bumpage effect that I keep hearing about? Everyone who has mentioned bumpage before seems to be using a different source for their daily credit report but will the Amex one be just as effective? Thanks. Link to comment Share on other sites More sharing options...
Gandolf Posted April 8, 2007 Author Report Share Posted April 8, 2007 Anyone out there have the answer? Link to comment Share on other sites More sharing options...
Gandolf Posted April 9, 2007 Author Report Share Posted April 9, 2007 ??? Link to comment Share on other sites More sharing options...
LNY Posted April 9, 2007 Report Share Posted April 9, 2007 I'm not sure I fully understand your question.All bumping means is to generate soft inquiries by pulling your report. It doesn't matter where they come from. It's just pulling your report. Is there something else you're confused about? Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 9, 2007 Report Share Posted April 9, 2007 I wonder then, if you get multiple accounts to pull your CR daily, can you increase your bumpage to 2-3 a day?I've only been using TC up till now, with no bumpage. Link to comment Share on other sites More sharing options...
lyle7289 Posted April 9, 2007 Report Share Posted April 9, 2007 I wonder then, if you get multiple accounts to pull your CR daily, can you increase your bumpage to 2-3 a day?I've only been using TC up till now, with no bumpage.2-3 a day of what? If you are talking about buying several different CR monitoring services and you pull or update your report from each service every day could you see two to three hard inquiries drop a day, I would say that you were crazy. Paying several different CR monitoring services to get rid of your TU inquiries would be a waste of money. To the original OP. I use TC to do my monitoring and soft pulls. A soft pull is a soft pull, no matter where it comes from. So to answer your question, I believe your service will do the same thing as long as it allows you to pull a "NEW" or "UPDATED" report daily. Link to comment Share on other sites More sharing options...
Gandolf Posted April 10, 2007 Author Report Share Posted April 10, 2007 To the original OP. I use TC to do my monitoring and soft pulls. A soft pull is a soft pull, no matter where it comes from. So to answer your question, I believe your service will do the same thing as long as it allows you to pull a "NEW" or "UPDATED" report daily.Yeah, that answers my question. Any idea how many total pulls the reports can hold before they get overloaded and you start to bump off the inquiries? Link to comment Share on other sites More sharing options...
LNY Posted April 10, 2007 Report Share Posted April 10, 2007 Yeah, that answers my question. Any idea how many total pulls the reports can hold before they get overloaded and you start to bump off the inquiries?Nobody knows that. Search for bumpage for more discussion of the whole issue. Link to comment Share on other sites More sharing options...
momof5 Posted April 10, 2007 Report Share Posted April 10, 2007 The # of softs has been different for different folks. I believe it is also related to the current size of your credit file. I have a small file (13 accts - open and closed) and it took 145 softs to bump. It took months to get there...partly because when you opt out, you don't get softs elsewhere. In pulling BFs file, it only took a couple of days to get first bump and then all 19 inqs were gone in 3. Link to comment Share on other sites More sharing options...
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