dmlavigne1

Sorry I haven't been bumping as of late, after my next app spree I will again. I'll post then.

dmlavigne1 said:Bogdan said:I thought Experian inquires don'r come off with B*. Am I missing something?

I think he meant EQ. You are right Experian is unbumpable.

Thanks! By the way, I did my AOR monday and there are 15 inquiries on my CR, 14 of which are to Experian, including the ones from Citi, Chase, BOA and AMEX. For sure I'll have to wait for a while before attempting a second AOR. Also, I'll be surprized to get even close to all approvals this time.

dmlavigne1 said:Bogdan said:I thought Experian inquires don'r come off with B*. Am I missing something?

I think he meant EQ. You are right Experian is unbumpable.

Sorry I thought I read in another thread somewhere that EX can be bumped around 30 days after TU. I must have been mistaken. This is my first time doing b* so I am still learning myself. I guess my question then is how long does one usually have to wait for between b* after TU finishes before EQ starts?

By the way, my TU started b* on or just before Jan 1st, '09 with 9 inquiries. I saw 8 inquiries on Jan 4th, 5 on Jan 7th, and 0 on Jan 10th or 11th. For me they definately b* in groups and didn't seem to update every day like I had expected.

Bogdan said:dmlavigne1 said:Bogdan said:I thought Experian inquires don'r come off with B*. Am I missing something?

I think he meant EQ. You are right Experian is unbumpable.

Thanks! By the way, I did my AOR monday and there are 15 inquiries on my CR, 14 of which are to Experian, including the ones from Citi, Chase, BOA and AMEX. For sure I'll have to wait for a while before attempting a second AOR. Also, I'll be surprized to get even close to all approvals this time.

Wow - all EX. If you were setup to freeze EX, you could apply for another batch of applications.

At any rate, going forward, might be good to freeze your EX.

You could apply again in Feb of 2009, at which point your 14 EX inquiries would be at least 1 year old and irrelevant for your score according to most models.

Rorer714 said:tolamapS said:You could apply again in Feb of 2009, at which point your 14 EX inquiries would be at least 1 year old and irrelevant for your score according to most models.
Inquires only count towards your true Fico score for the first year. They stay on your report (EX) for all creditors to see for two years. If they pull EX again (next AOR) and see 14 inquires don’t be surprise if you get instant denials. Also get ready for adverse action when they pull there monthly account review.

Inquiries stay for 2 years - agreed. Effect on report after 1 full year - I am not so sure I agree. Instant denials because of the 14 inquiries after 1 year - sure, possible; but worth the try. He has a powerful strategy: freeze EX and then do whatever. At that point, a bigger worry might be the number of new accounts opened in the last 12 / 24 months.

Also get ready for adverse action when they pull there monthly account review. Well, he already has 14, and there is nothing he can do about that. If that 14 alone is going to result in adverse action, then what difference does it make if he freezes EX, and applies for more credit cards. He won't get any more EX inquiries. The 14 is already a "sunk cost" at this point.

Rorer714 said:I was just letting him know how the scoring model (Fico) seems to work. Also, I do not think freezing your report stops existing creditors from seeing your report for account review purposes. You might want to check on that.

Thank you, both! It's been a pleasure reading through this post and noticing how much people like you know about credit reporting.

Hi there. I think I can help with your questiion. I started pulling TC, Nat City, Chase Identity, and PM 123 a few weeks ago in December. My pulls in the month of December were sporadic, but in January they have been steady. I pull PM, Nat City, and Chase daily, and TC only once a week or even less than that, as I feel they are somehow watchdog's for the rest of the services. I have pulled 71 times (not sure how many actual softs were created) over all these services as of yesterday. Today, I started bumping Equifax which surprised me. I was of course expecting TU to bump first. But 3 hard's fell of Equifax today. This confused me so I did a search and found this thread you started. So I think you are on to something about TU being different. This is the first time I have tried bumping, just found Fatwallet in early December.

Double pull is just 2 services 1 pull each. Nothing fancy.

dmlavigne1 said:Back on topic:

I missed pulling yesterday and did the normal double pull this morning and Bamn! all 4 TU inquiries are gone! From last week the file had 97 SP's on it, + 6 more, then skip a day and on the first pull all 4 are gone. This was the first day I missed in about 16. Do you think the break allowed the INQ's to fall off like that? I am confused to how exactly the system works. My last AOR, they fell off on a 1 pull per bump schedule and it was much quicker. This was just weird.

My EQ should start up again tomorrow. It appears that Identity Protect SP's are being bumped up to the date of the next hard pull. This is also weird because there are older soft pulls that remain.

First of all, congratulations.

Second, about all 4 disappearing as a result of 1 soft inquiry. I explained earlier that there is a block structure.

Suppose that your TU file has room for 100 inquiries in 25 blocks, 4 inquiries per block.

Suppose all 25 blocks are full. And a soft inquiry comes. The system chooses 1 block to kick out of the file system. If that block happens to hold 4 hard inquiries, all hards will be gone.

In that same scenario, if you have more hard inquiries, then even if those hard inquiries came on the same day as the previous 4, you might need 4 additional softs before any of them go away. In other words, your next 3 softs are falling into empty available slots.

The recipe that kicks of existing inquiries to make room (eviction policy) is probably FIFO, but there might be priority given to some categories.

Anyway, the moral of the story is: if you flood enough softs, hards will be removed. It is just too difficult to model the exact order and timing of the removals. That's all.

there are older soft pulls that remain.: do you mind sharing what softs are these, i.e. source and date? Thanks.

tolamapS said:

Second, about all 4 disappearing as a result of 1 soft inquiry. I explained earlier that there is a block structure.

Suppose that your TU file has room for 100 inquiries in 25 blocks, 4 inquiries per block.

Suppose all 25 blocks are full. And a soft inquiry comes. The system chooses 1 block to kick out of the file system. If that block happens to hold 4 hard inquiries, all hards will be gone.

In that same scenario, if you have more hard inquiries, then even if those hard inquiries came on the same day as the previous 4, you might need 4 additional softs before any of them go away. In other words, your next 3 softs are falling into empty available slots.

The recipe that kicks of existing inquiries to make room (eviction policy) is probably FIFO, but there might be priority given to some categories.

Anyway, the moral of the story is: if you flood enough softs, hards will be removed. It is just too difficult to model the exact order and timing of the removals. That's all.

That is very interesting tolomapS. That is one good explanation of the group b*. Do you have an inside on TU to know all of this? Do all CRAs work like this or just TU, and is this a new method to their system since others have reported previously that TU did it on a one-to-one pull-to-b* and not in groups like we are seeing now.