BTO429 456 Posted March 11, 2008 Report Share Posted March 11, 2008 I saw some of you talking about bumping. Can someone that has done this explain this process in more depth? Link to post Share on other sites
Tony 21 Posted March 11, 2008 Report Share Posted March 11, 2008 I saw some of you talking about bumping. Can someone that has done this explain this process in more depth?With certain website like www.Truecredit.com once you purchase thier monitoring program you can update your credit report (bumping) each day. Bumping is a soft pull that with enough of them (around 50 -60) you will start to bump off the Hard pull (inquires that stay on you CR for 2 years) Some people here have more than one site so they bump 2-3 times a day. This is what I have learned... some members feel it doesn't work some do...Me I am still in the early stages of bumping.. around 30 Link to post Share on other sites
MaxedOut 58 Posted March 11, 2008 Report Share Posted March 11, 2008 some members feel it doesn't work some do...I can neither confirm nor deny that bumping works.*cough* It works *cough* Link to post Share on other sites
Tony 21 Posted March 12, 2008 Report Share Posted March 12, 2008 I can neither confirm nor deny that bumping works.*cough* It works *cough*lol Link to post Share on other sites
BTO429 456 Posted March 12, 2008 Author Report Share Posted March 12, 2008 but what happens if ya get caught doing this or can the sites prove your are doing this?Dont the CRA's know you are doing this Link to post Share on other sites
Amerikaner83 1,026 Posted March 12, 2008 Report Share Posted March 12, 2008 If caught, TC and truecredit resellers could bmp YOU. They could boot you from their service, or a few other bad things can happen...search for "bumping" or "bumpage" and you'll find lots of info Link to post Share on other sites
NASCAR_Devil 331 Posted March 12, 2008 Report Share Posted March 12, 2008 I was able to bump 4 INQ's from TU last month. Then I had 6 hard pulls from my app spree and have not seen *b* happen again. Looks like hards mess *b* up a bit. Link to post Share on other sites
BTO429 456 Posted March 12, 2008 Author Report Share Posted March 12, 2008 Is tis illegal or will they just ban you from using their site. Link to post Share on other sites
NASCAR_Devil 331 Posted March 12, 2008 Report Share Posted March 12, 2008 Is tis illegal or will they just ban you from using their site.They will ban you. As far as illegal? Exploiting a flaw in their system is not a crime. Link to post Share on other sites
BTO429 456 Posted March 12, 2008 Author Report Share Posted March 12, 2008 about how long does it take before they notice it. How can you keep them from noticing it Link to post Share on other sites
willingtocope 1,336 Posted March 12, 2008 Report Share Posted March 12, 2008 Tilting at windmills, again, I am...Here's the deal...bump once a month...the CRAs won't notice...after 12 months all the baddies you had at the start will fall off. Link to post Share on other sites
musiqdefunk 143 Posted March 12, 2008 Report Share Posted March 12, 2008 you know I really didn't know till now, why my transunion credit reports showed no inquiries, I thought it was just a glitch but during the last 6 months, I pulled my credit report once a day. Now I know why funny! I guess it does work. I left True Credit just last week but I never got any problems for it.... I'm sure they will find a way to fix it eventually. Link to post Share on other sites
Tony 21 Posted March 12, 2008 Report Share Posted March 12, 2008 Hopefully after many INQS removed by many people Link to post Share on other sites
sparky256DSL 18 Posted March 12, 2008 Report Share Posted March 12, 2008 It kinda sucks that they will ban for this because I didn't even know that this happens and I've been pulling my CR once a day to check on DV, Investigation, and Dispute results. Sometimes I don't even hear back from a CA and I never receive anything from the CRA in the mail so pulling is my only option. But I guess if I get banned then I'll move on somewhere else. Does TC ban for life? Link to post Share on other sites
isislc 1,220 Posted March 13, 2008 Report Share Posted March 13, 2008 It kinda sucks that they will ban for this because I didn't even know that this happens and I've been pulling my CR once a day to check on DV, Investigation, and Dispute results. Sometimes I don't even hear back from a CA and I never receive anything from the CRA in the mail so pulling is my only option. But I guess if I get banned then I'll move on somewhere else. Does TC ban for life?Nah, I was one of the first few banned. When you get banned they also lock you out of ALL online disputing. We were banned back in Sept/Oct and our CRs were finally unlocked to us online at the end of January. Not sure if we can use TC though but I'm guessing yes since they now allow daily pulls. Those of us who were banned moved on to other Credit Monitoring services that still give us the same effect. So although we were locked out of our CRs, we were still able to bump using a different service to do it. Link to post Share on other sites
BTO429 456 Posted March 13, 2008 Author Report Share Posted March 13, 2008 Any one ever use my credit report.com for this. Link to post Share on other sites
lolah 131 Posted March 13, 2008 Report Share Posted March 13, 2008 *B* works! In a few short months (2-4) I went from 29 inquiries to 4 on TU! Link to post Share on other sites
BTO429 456 Posted March 14, 2008 Author Report Share Posted March 14, 2008 Lolah with 29 inqs gone how much did your score increase Just curious how uch inqs hurt score Link to post Share on other sites
willingtocope 1,336 Posted March 15, 2008 Report Share Posted March 15, 2008 According to the FAQ pages at the CRAs and myFico.com, "soft" inquiries like the ones you can do and the ones that CAs do, don't hurt your scores at all. "Hard" inquiries by people who are thinking about offering you credit do ding you about 10-20 points (depending on what category you're in), but their effect diminishes with age and disappears entirely after 1 year. Link to post Share on other sites
lolah 131 Posted March 15, 2008 Report Share Posted March 15, 2008 Lolah with 29 inqs gone how much did your score increase Just curious how uch inqs hurt scoreMy FAKO went up approx 50 points. Link to post Share on other sites
BTO429 456 Posted March 15, 2008 Author Report Share Posted March 15, 2008 Most of my inqs are from 9/06 I only have 5 or 6 from 08 Link to post Share on other sites
par 42 Posted March 15, 2008 Report Share Posted March 15, 2008 Apparently will not work with EX. Link to post Share on other sites
willingtocope 1,336 Posted March 15, 2008 Report Share Posted March 15, 2008 EX's marketing people have a few more scruples than the other two. They haven't yet decided to buy into the scam.... Link to post Share on other sites
BTO429 456 Posted March 23, 2008 Author Report Share Posted March 23, 2008 O lost three inqs today I dont think it was *b* they were at there two year period. I have not seen a score increase yet though. Link to post Share on other sites
tonypilot7 11 Posted March 24, 2008 Report Share Posted March 24, 2008 I have been pulling TC 5 days a week for the last two months and haven't seen any inq's drop off yet. I do show a boatload of soft pulls from TC on my credit report though. I'm starting to question if it still works... Link to post Share on other sites
