dmlavigne1 said:tolamapS said:

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.

I guess your explanation makes sense but it is in total contrast to how my first AOR bumped off (1:1 bump). It also took much longer. On the dates.. Using EQ gold you can see the dates of all of the pulls and my AOR was 10/19 but I still have soft pulls that show up from 10-11, 8-24 etc. These were only single pulls.
The only soft pulls that are being bumped off right now are the NC Identity protect from between 10-19 and my next hard pull of 10-28.

So the ones that are still showing, are these REAL account review inquiries (i.e., not soft inquiries initiated by you)? I believe those do not get bumped off on TU.

The EQ total stack is holding at 98 and I am waiting for the last INQ to fall off. The stack behavior is kind of strange. I noticed on a day where I had a hard pull and a soft pull the soft pull falls off first. I must note that the soft pulls only fall off on the issuers that seem to have a lot of soft pulls (like NC).

There are still 5 single soft pulls from different vendors that are older than ones that are being bumped off. I wonder if the SP bump excludes single pulls vendors?

My last pull will come off in a couple of days and I can test the single pull vendor theory because I have a 2 pull soft pull from Treasury bank (CountryWide I think) and one of the softs is dated the same as the hard. I will be interested to see if that soft falls.

The fact that older soft pulls are staying explains why no one could get a good finite number on when bumpage occurs.

Is there a way to view your EQ soft inquires?

Did you read the first post in this thread? Equifax gold allows it but it is useless for bumpage.

14 from Experian? that is weird. I went through most of the AOR posts. Usually, citi and chase only pull Equifax.
BOA, AMEX, discover, and other ugly card issuers like providian, WAMU like Experian, which is the pain
in the ass.

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.

dmlavigne1, Just thought I'd tell you my experience with TU in the last month. Like I said in an earlier post, pulled 71 times with 4 services over the last month, and started bumping EQ but no TU. Pulled 4 times after next day and continued to bump EQ. Then I read your post about skipping a day, so I didn't pull for the next 3 days. Yesterday I pulled 1 service, boom, all 9 TU INq's gone in one shot! (And 7 of the 9 were Mortgage INQ's).

Same happened for boyfriend, but with fewer pulls. He was on pull #35 and had not bumped anything. Then he didn't pull for the same 3 days I didn't. When we pulled the 1st service for him, bam all 8 TU INq's (All Mortgage) were gone.

Skipping the days made the difference!!

But I am surprised to see mortgage Inq's fall of TU. I thought they couldn't be bumped? Anyone have experience with this?

Star2211 said:dmlavigne1, Just thought I'd tell you my experience with TU in the last month. Like I said in an earlier post, pulled 71 times with 4 services over the last month, and started bumping EQ but no TU. Pulled 4 times after next day and continued to bump EQ. Then I read your post about skipping a day, so I didn't pull for the next 3 days. Yesterday I pulled 1 service, boom, all 9 TU INq's gone in one shot! (And 7 of the 9 were Mortgage INQ's).

Same happened for boyfriend, but with fewer pulls. He was on pull #35 and had not bumped anything. Then he didn't pull for the same 3 days I didn't. When we pulled the 1st service for him, bam all 8 TU INq's (All Mortgage) were gone.

Skipping the days made the difference!!

But I am surprised to see mortgage Inq's fall of TU. I thought they couldn't be bumped? Anyone have experience with this?

If you look at my 1st few posts in this thread I explain I had 8 fall in 1 day. I've also bumped TU mortgage inqs, but I cant bump EQ mortgage inqs.

I have paused for a week at a time recently, I'd like to figure this out.

I'll bring my message from the 1st page.

dmlavigne1 said:Star2211 said:dmlavigne1, Just thought I'd tell you my experience with TU in the last month. Like I said in an earlier post, pulled 71 times with 4 services over the last month, and started bumping EQ but no TU. Pulled 4 times after next day and continued to bump EQ. Then I read your post about skipping a day, so I didn't pull for the next 3 days. Yesterday I pulled 1 service, boom, all 9 TU INq's gone in one shot! (And 7 of the 9 were Mortgage INQ's).

Same happened for boyfriend, but with fewer pulls. He was on pull #35 and had not bumped anything. Then he didn't pull for the same 3 days I didn't. When we pulled the 1st service for him, bam all 8 TU INq's (All Mortgage) were gone.

Skipping the days made the difference!!

But I am surprised to see mortgage Inq's fall of TU. I thought they couldn't be bumped? Anyone have experience with this?

In computer programming terms it's almost like it is a "cache" and the cache expires when no new pulls thus causing a refresh of the cache.

Can you maybe explain your CACHE thoughts, I think we're getting close to an answer and B*ing Mortgage INQs would be great!

this is a little off topic, but it's important I think.

I use 4 services, and had been getting 4 softs on experian but since DEC 8 07 I have not had any softs added from 2 of my services. So it looks like even experian is working on the problem of to many softs being recorded.

That sucks, get your credit while you can. I'm sure the others will follow.

win333 said:Try to explain this 1!


National City pulled my TU yesterday and today the INQ is already gone. I may have pulled 2 reports before it fell off.


I wonder if my file is about to split? Maybe it only has a few more blocks of space left, because it's storing my old softs. I was wondering how come I was able to B* items newer that my old softs. This might make sense.


I thought I would add that I have 2 INQs from 1/25 that haven't B*ed yet.i had something similar happen to me with my citi inquiry with TU. It disappeared, but it came back 2 days later