akins503 Posted September 21, 2007 Report Share Posted September 21, 2007 I have bumped all my transunion inquiries except one. It took about 45 days of pulling everyday to see results. I went from 11 down to 1. I have been stuck at 1 for about 2-3 weeks. Anyone else have this problem. Should I keep pulling or just let this one go. Any input would be appreciated.Thanks Link to comment Share on other sites More sharing options...
willingtocope Posted September 21, 2007 Report Share Posted September 21, 2007 I'm not 100% sure, but I think TU noticed that bumping was happening and put a stop to it. While not illegal, it was a bug/feature in their system. Link to comment Share on other sites More sharing options...
aadam101 Posted September 21, 2007 Report Share Posted September 21, 2007 Not illegal? Wouldn't this be illegal on TU's part? They are deleting accurate information. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 21, 2007 Report Share Posted September 21, 2007 You are fraudulently using a flaw in the system to alter the scoring model also. If you keep bumping, it will eventually go off too. Link to comment Share on other sites More sharing options...
toImproveMyCredit Posted September 21, 2007 Report Share Posted September 21, 2007 I have bumped all my transunion inquiries except one. It took about 45 days of pulling everyday to see results. I went from 11 down to 1. I have been stuck at 1 for about 2-3 weeks. Anyone else have this problem. Should I keep pulling or just let this one go. Any input would be appreciated.Thankshow did u do that any ways, by regular dispute? Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 21, 2007 Report Share Posted September 21, 2007 how did u do that any ways, by regular dispute?When you log into TC you go to your CR and on the right side of the screen in the gray area, you click "update report". You can do it every 24 hours. Link to comment Share on other sites More sharing options...
willingtocope Posted September 22, 2007 Report Share Posted September 22, 2007 Feel free to correct me if I'm wrong, but I'm pretty sure that all you're bumping is "soft" inquiries. Those are just little tick marks on your reports that says "somebody looked at my credit"...not the "somebody's checking to see if they should lend me money" kind. Its the latter...the "hard" inquiry... that counts against you in some of the FICO scoring models.Personally, I don't see the advantage to bumping. And, I'm certain that its not illegal or immoral. Credit reports ARE NOT legal documents. You have not sworn an oath that its accurate...inaccuracies that work in your favor are good things (if you want to have more credit). CRs are not admissable as evidence in a court of law...except as evidence against someone who is reporting inaccuracies that cost you money. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 22, 2007 Report Share Posted September 22, 2007 Bumping bumps off the hard inquires with soft ones. Personally, I don't have many INQ's b/c I don't apply for too much credit. Even if you are car shopping, it's too much to have 30+ inq's. Link to comment Share on other sites More sharing options...
willingtocope Posted September 22, 2007 Report Share Posted September 22, 2007 Okay, well here's an interesting twist...IT IS ILLEGAL FOR A CREDIT BUREAU TO REMOVE AN INQUIRY FROM A CONSUMER CREDIT REPORT BEFORE 24 MONTHS. Read http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=260358...which basically says that while bumping may make inquiries disappear from view by a creditor, they should always be viewable to you. If the baddies disappear from your pulls, somethings wrong... Link to comment Share on other sites More sharing options...
willingtocope Posted September 22, 2007 Report Share Posted September 22, 2007 And, upon further review, I think we're wandering into the "how many angels can dance on the head of a pin?" category. Do a search on "hard soft inquiry" by uwackme I think the bottom line here is that there is only one "list" of inquiries...it contains ALL inquiries for the last 24 months BY LAW. The CRAs have found a loophole in the law that lets them sell some creditors the "who you tried to borrow money from" list. Your bumping does not delete anyone from that list...only time will do that. Your bumping MAY shorten the list of inquiries that you see...it MIGHT NOT shorten the list creditors see. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 22, 2007 Report Share Posted September 22, 2007 IT IS ILLEGAL FOR A CREDIT BUREAU TO REMOVE AN INQUIRY FROM A CONSUMER CREDIT REPORT BEFORE 24 MONTHS.I thought I read somewhere that there is no law governing how long they must keep INQ's on your reports, however, the CRA's have established a 24 month period. Link to comment Share on other sites More sharing options...
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