lolah Posted December 5, 2007 Report Share Posted December 5, 2007 Now, I will have to wait and see if I get cancelled from PM123! Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 5, 2007 Report Share Posted December 5, 2007 how long it take? Link to comment Share on other sites More sharing options...
lolah Posted December 5, 2007 Author Report Share Posted December 5, 2007 how long it take?2 1/2 months! Link to comment Share on other sites More sharing options...
brokeinok Posted December 5, 2007 Report Share Posted December 5, 2007 Okay.... why doesn't this work for me??? It's been almost four months and I haven't seen a single *B!! Link to comment Share on other sites More sharing options...
lolah Posted December 5, 2007 Author Report Share Posted December 5, 2007 Okay.... why doesn't this work for me??? It's been almost four months and I haven't seen a single *B!! Not sure. I was beginning to think I was a lost cause... Link to comment Share on other sites More sharing options...
Priceless Posted December 6, 2007 Report Share Posted December 6, 2007 Whats a *B? Link to comment Share on other sites More sharing options...
willingtocope Posted December 6, 2007 Report Share Posted December 6, 2007 B = bumpage, which is a popular urban myth around here. The theory is that you pull (i.e.,inquire about) your credit reports yourself...each "pull" bumps the oldest pull off your reports. If those old pulls are derogatory, then eventually your FAKO credit scores improve because the derogs are gone.The truth is...all inquiries are required by law to stay on your reports for 2 years. The law doesn't say how many of those you have to be able to see when you pull your reports. Therefore, all those inquiries are still on your credit records...you just don't see them...but, when someone who's thinking about offering you credit pulls your reports, they get an actual FICO score that's calculated based on two years history. Link to comment Share on other sites More sharing options...
Priceless Posted December 6, 2007 Report Share Posted December 6, 2007 Thank you! Link to comment Share on other sites More sharing options...
lovebug5 Posted December 6, 2007 Report Share Posted December 6, 2007 The truth is...all inquiries are required by law to stay on your reports for 2 years. The law doesn't say how many of those you have to be able to see when you pull your reports. Therefore, all those inquiries are still on your credit records...you just don't see them...but, when someone who's thinking about offering you credit pulls your reports, they get an actual FICO score that's calculated based on two years history.What is interesting about this was my call to TransUnion the other day, where the rep confirmed with me that I only had four IQ's on my report. Don't you think that, if TU did keep record of all IQ's that you've had from the past two years, her records would've shown my actual IQ history? Link to comment Share on other sites More sharing options...
Freak Posted December 6, 2007 Report Share Posted December 6, 2007 I applied for a refi with my CU in October. On a whim, I asked them for a copy of the CR, and they sent it to me. In July, when I pulled my report, I had 19 inquiries in the two prior years. Most of them were from a vehicle shopping spree in July of 2006. On my 3n1 I had the same amount in September. When I received my CR from the CU, I had a total of 4. listed as follows:INQS/30 DAY --1INQS/6 MONTH --3INQS/24MO --4Before responding to this post, I checked a True Credit printout I saved on 10/14 to verify the 19 INQ were there. They were. I have to assume that the INQ on the CU CR are are cumulative, but even if they aren't the total still does not add up to 19. B* was beginning to occur at that time for me. Regardless, something is happening. The jury is still out for me, but I am looking at my reports and the reports provided a lender, and it looks real. Link to comment Share on other sites More sharing options...
chucksnee Posted December 6, 2007 Report Share Posted December 6, 2007 Okay.... why doesn't this work for me??? It's been almost four months and I haven't seen a single *B!! Samething happened to me, then I left for a week with no pulls during that week and I come back and all 5 inquiries were gone....Like a little lag in the system and it has to catch up? Link to comment Share on other sites More sharing options...
brokeinok Posted December 6, 2007 Report Share Posted December 6, 2007 Me too! 9 inq finally dropped off TU today, haven't checked the dates to see if it was just time for them or if it might have been a little *b Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 6, 2007 Report Share Posted December 6, 2007 I am now of the firm belief that *b is like Santa Claus. If you believe - great. If not - that's cool too. Link to comment Share on other sites More sharing options...
divinemadness Posted December 6, 2007 Report Share Posted December 6, 2007 how many times do u haveta do this? cause my TU has like 30 IQ's from the last 2 years, it keeps multiples for some reason. im getting it fixed now of course, but they have it like this on my report:Cap one, 8/05, 9/05,/ 12/06, and on and on and on and i didnt even apply for nothing and got all these things too, like i mentioned about the preapproved auto stuff i was getting in the mail and found it on my report. is that the soft and hard all there??????? its a pretty long list. LOLEQ only had 15 when i started, and i got them all deleted, lotso f multiples too,.... Link to comment Share on other sites More sharing options...
isislc Posted December 6, 2007 Report Share Posted December 6, 2007 Well, I have only 2 inqs on TU, a fluke with 5 inqs being bumped from EX, and all inqs deleted from EQ. Link to comment Share on other sites More sharing options...
lolah Posted December 6, 2007 Author Report Share Posted December 6, 2007 I am now of the firm belief that *b is like Santa Claus. If you believe - great. If not - that's cool too. I'm still not sure if it's *B or age that made them fall off... Link to comment Share on other sites More sharing options...
par Posted December 19, 2007 Report Share Posted December 19, 2007 If this post is correct than bumpage is a waste of time and actually misleading yourself???????????????B = bumpage, which is a popular urban myth around here. The theory is that you pull (i.e.,inquire about) your credit reports yourself...each "pull" bumps the oldest pull off your reports. If those old pulls are derogatory, then eventually your FAKO credit scores improve because the derogs are gone.The truth is...all inquiries are required by law to stay on your reports for 2 years. The law doesn't say how many of those you have to be able to see when you pull your reports. Therefore, all those inquiries are still on your credit records...you just don't see them...but, when someone who's thinking about offering you credit pulls your reports, they get an actual FICO score that's calculated based on two years history. Link to comment Share on other sites More sharing options...
chucksnee Posted December 19, 2007 Report Share Posted December 19, 2007 I am now of the firm belief that *b is like Santa Claus. If you believe - great. If not - that's cool too.I'm with Amerikaner....This discussion is like kicking a dead horse..... Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 20, 2007 Report Share Posted December 20, 2007 I'm with Amerikaner....This discussion is like kicking a dead horse.....You mean like this: ? LOL Link to comment Share on other sites More sharing options...
isislc Posted December 20, 2007 Report Share Posted December 20, 2007 If this post is correct than bumpage is a waste of time and actually misleading yourself???????????????Well if that's the case then I better complain to the CRAs that they are incomplete in reporting my inqs. My actual EX is missing 5 inqs from that fluke I had and my TU I received recently only has 1 inq showing on it. My CSC still only shows the one BK that was left after the other one got *b*. I don't know, I would rather believe what I've been seeing on my reports as a result of *b*. Link to comment Share on other sites More sharing options...
par Posted December 22, 2007 Report Share Posted December 22, 2007 Did you check if they put them back?Me too! 9 inq finally dropped off TU today, haven't checked the dates to see if it was just time for them or if it might have been a little *b Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 22, 2007 Report Share Posted December 22, 2007 they haven't "put back" any of mine. Link to comment Share on other sites More sharing options...
isislc Posted December 22, 2007 Report Share Posted December 22, 2007 That last TU inq is turning into a bish to get bumped. The last one always takes forever to come off. Link to comment Share on other sites More sharing options...
divinemadness Posted December 22, 2007 Report Share Posted December 22, 2007 heres my question, with bumpage, how come EQ is showing all there inqs seperate from "hard" hits? same with TU and EX on my 3 in 1 report. it says "requests only viewed by you" and then has the report inqs...and inqs from CO's is seperate? how would bumapge work on that? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 22, 2007 Report Share Posted December 22, 2007 Divine - you're mixing apples and oranges."requests viewed only by you"..are what's called "soft inq's". They have no effect on FICO. None at all.the other ones are what *allegedly* get bumped off - the "hard inq's"...the ones that DO effect FICO...and that others see. Link to comment Share on other sites More sharing options...
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