I have been doing daily pulls from TrueCredit for about 3 months now to bump off the inquiries from my TransUnion and Equifax reports. I whiddled my TU inquiries from 31 to 0 and my wife's from 18 to 0. Shortly after, the Equifax inquiries started disappearing. Mine have gone from 16 to 4, and my wife's have gone from 10 to 1.
However, for about the past 5 pulls both mine and my wife's Equifax inquiries have remained at 4 and 1, respectively, and we haven't had any hard pulls in the meantime (at least not to my knowledge).
Is anybody else experiencing the same kind of hang-up in the Equifax bumpage process, or is there a loophole in the system that only allows you to bump off a certain number of Equifax inquiries?
This is incorrect, it's Experian that can't be bumped.
To the OP, what is still showing? I've heard of others having trouble getting those last few inquiries off if they were for a mortgage or car loan (more substantial types of loans than credit cards).
dingleberries
New Member
posted: Jun. 24, 2007 @ 12:07p
You're right, it looks like they're for our mortgage refinance that happened in October 2005. Any idea if they will come off but it will take a while, or will they never come off until after two years is up?
krk206s
Thrifty Member
posted: Jun. 24, 2007 @ 12:12p
I'm in the same boat. I was bumping off Equifax at a rate of about 1 per day until May 11th. At that point I had incurred a hard inquiry for a credit card, and since that time I've been stuck at 4 inquiries left on Equifax. The remaining inquiries are 2 credit cards, and 2 for auto insurance
dingleberries
New Member
posted: Jun. 24, 2007 @ 12:18p
krk206s said: I'm in the same boat. I was bumping off Equifax at a rate of about 1 per day until May 11th. At that point I had incurred a hard inquiry for a credit card, and since that time I've been stuck at 4 inquiries left on Equifax. The remaining inquiries are 2 credit cards, and 2 for auto insurance
In your case it's due to the hard inquiry, of which I have none, so I think we're in different boats just floating near each other
krk206s
Thrifty Member
posted: Jun. 24, 2007 @ 12:34p
Are you suggesting that the hard pull may have "reset" my bumpage ability for Equifax?
dingleberries
New Member
posted: Jun. 24, 2007 @ 12:47p
krk206s said: Are you suggesting that the hard pull may have "reset" my bumpage ability for Equifax?
Definitely, since you can think of it as a bunch of "slots" stacked on top of each other about 60 high, and each soft pull takes the place of the top slot and pushes each slot down and the bottom slot falls off...if that happened to be a hard inquiry, then it falls off your report. Any new hard pulls will go on the top of the stack and will require about 60 soft pulls for it to fall off (I say 60 because people have reported it takes about that many for inquiries to start falling off)...is my analogy making sense?
I've been pulling TC for 3 months now. Still no EQ bumpage.
janwad
Senior Member
posted: Jun. 24, 2007 @ 2:56p
kiasuchick said: I've been pulling TC for 3 months now. Still no EQ bumpage.
Hang in. I got my first bump (EQ) this week. This has been time consuming and tedious, but it really does work - usually.
krk206s
Thrifty Member
posted: Jun. 24, 2007 @ 3:06p
dingleberries said: Definitely, since you can think of it as a bunch of "slots" stacked on top of each other about 60 high, and each soft pull takes the place of the top slot and pushes each slot down and the bottom slot falls off...if that happened to be a hard inquiry, then it falls off your report. Any new hard pulls will go on the top of the stack and will require about 60 soft pulls for it to fall off (I say 60 because people have reported it takes about that many for inquiries to start falling off)...is my analogy making sense?
Ah yes this makes sense. I had wondered if that was the case - seems like it is. That would mean that I should start seeing them fall off again in the middle of July. Thanks for the info.
I belong to three different services. Privacyguard, TC, and CreditSecure from AMEX. I bump those things really quick.
afeld
Greedy Member
posted: Jun. 25, 2007 @ 9:13a
I am in the same boat, and mine was caused by a hard inquiry also. I had been pulling and saw that one EQ was getting bumped off per day, even in front of the softs that were almost two years old. I applied for a card that I knew would pull EQ (PremierPass from Citi, used the database on CreditBoards) just to see if the hards would stop falling off if I got a new inquiry, or if the new hard would be bumped off just like the others.
It ended up being neither, the old(er) hards kept falling off, the last one from a month previous, and the new hard stayed. It's about a month later now, and I still only have one hard.
nymgiants
Addicted Member
posted: Jun. 25, 2007 @ 2:17p
NukeMedDude said: I belong to three different services. Privacyguard, TC, and CreditSecure from AMEX. I bump those things really quick.
does privacyguard allow daily pulls of the 3 Equifax, experian, transunion
thecpa
Member
posted: Jun. 27, 2007 @ 7:30p
I applied for 13 loans in one day. I was *B* them off consecutively when I performed a new retrievals. All of a sudden, they stopped *B* off. The CI's pending were done on the same day. I'm going to keep trying and will let you know if I'm successfull.
NukeMedDude said: I belong to three different services. Privacyguard, TC, and CreditSecure from AMEX. I bump those things really quick.
how much are u paying for privacyguard? Only 1st two months for $1, and then...
Triple-Bureau Credit Report with Single-Bureau Credit Score $34.99
thecpa
Member
posted: Jun. 27, 2007 @ 7:49p
Does PG offer daily retrivals? I know AMEX and TC do, are there any other companies that offer daily retrievals?
dbalkunjr
Addicted Member
posted: Jun. 28, 2007 @ 3:14p
I have been pulling AMEX credit secure every day and I bumped all my TU inquires(originally like 8)down to 1. I have not bumped off any EQ yet though. I Bumped a TU inquiry from 12/06 before bumping any EQ from 11/10/06. It sucks that most of my inquiries from my AOR were from EX(13)Any ideas on how many pulls from EQ it takes to get bumpage?
tehgeiger
Member
posted: Jun. 28, 2007 @ 5:01p
I got an eq to bump on Tuesday.
Pee2ng
Senior Member
posted: Jul. 18, 2007 @ 1:57p
I have a few errors in my credit report. Is there a benefit of disputing them individually (one a week) hoping to get multiple soft hits?
Experian requires order number to place a dispute. My credit report is from TrueCredit, would it take TrueCredit order number?
Thanks.
Negociant
New Member
posted: Jul. 27, 2007 @ 10:17a
dingleberries said: I have been doing daily pulls from TrueCredit for about 3 months now to bump off the inquiries from my TransUnion and Equifax reports. I whiddled my TU inquiries from 31 to 0 and my wife's from 18 to 0. Shortly after, the Equifax inquiries started disappearing. Mine have gone from 16 to 4, and my wife's have gone from 10 to 1.
However, for about the past 5 pulls both mine and my wife's Equifax inquiries have remained at 4 and 1, respectively, and we haven't had any hard pulls in the meantime (at least not to my knowledge).
Is anybody else experiencing the same kind of hang-up in the Equifax bumpage process, or is there a loophole in the system that only allows you to bump off a certain number of Equifax inquiries?
Any input/insight would be appreciated!
OP: It's now been a month since your post and I am wondering if you had any luck with those last items. Anyone else have any experience to share? I have been updating TC almost daily since my AOR in early April. I went from 29 EQ inquiries down to 2. The last two don't want to budge. Just wondering if others have had this experience and whether it resolved.
Relatedly, what do folks do once their inquiries are successfully at 0? Do you keep refreshing to keep the bilges filled with soft pulls, or do you cancel the service, save the $, and start up again after the next AOR?
mortgage INQs dont bump off EQ generally...that has been a long known fact about it. Some have reported that theirs did on CB, but thats not the norm. Even insurnace INQs stay on.
I have been bumping since my AOR and I had at least on EQ that would not budge. SO far I have been pulling true credit daily with no bumps. I hope they dont change this loophole as I would like to bump all eq and tu within a month or two.
I know this because I'm opted out, so there were no other soft or hard inqs while I was pulling with TC. Unfortunately I didn't catch the exact number for TU.
In the tenth week of nearly daily pulls, last night my first hard inquiry just fell off TU.
It was an apartment rental credit check, back from around May 2006 (over 1 year ago). Caused FAKO to increase 2 points. Each of the three remaining hard inquiries on TU are all mortgage related.
----8/27----
The first mortgage related inquiry fell off 1 day later than I would have expected it to, however the other two mortgage related inquiries fell off with the next two soft pulls.
The three mortgage inquiries each caused individual FAKO credit score gains (of +2, followed by +3, and finnaly +2). Therefore the inquiries were either not properly coded as "mortgage related", or the FAKO scoring algorithm simply does not count them as a single inquiry (as FICO supposedly does.)
----9/14----
EQ inquiries have started to fall off now. So far, the first three inquiries that have dropped off have all been mortgage related. Remaining inquiries are one mortgage, one apartment, and two credit card. FAKO score gains for each of the dropped inquiries have been +3, +3, +2.
So far for each inquiry drop it has taken just one pull.
The order of the inquiries fallen has generally, *but not exactly* been oldest to newest. I will continue to monitor.
----12/12----
With daily pulls all this time, the last three EQ inquiries (two mortgage, one apartment) never bumped. I don't think they are going to fall off by continuing to do pulls either.
-----CONCLUSION-----
* Can not depend on credit scoring algorithms to properly group inquiries together by type. (I'm sure some algorithms do group them, but others don't, and you also can't depend on the inquiries having proper "type" coding.) In the case of TC FAKO scores, they weigh each inquiry by 2 or 3 points and do not apparently group inquiries together.
* TU inquiries started falling off after about 70 inquiries. All TU inquiries are eligible to be bumped off.
* EQ inquiries started falling off after about 84 inquiries. There are however, some EQ inquiries that are not eligible to be bumped off. (In my case, some mortgage inquiries and an apartment inquiry never did bump, even after 170+ pulls.)
Does anyone else experience a "lag" between fall offs? I have been pulling 2x/day and I had one TU pull fall off yesterday (old pull before AOR). Today I pulled 2x and nothing more fell off TU. I only have 2 hard pulls left on TU both are CC's from my AOR.
The stack theory might still hold if there were other soft pulls on TU between the hard pull that fell off and the hard pulls of the AOR. Does this sound reasonable?
What I am really waiting for is the 18 Equifax pulls to start falling off!
A little off topic but, So far my Vacation AOR has produced the Following hard pulls EX-6 EQ-0 TU-1 Could this just be a coincidence? Or, are the companies on to bumpage, and are only checking EX these days??
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