Bumping and Bumpage: TU now bumps after Equifax? Reoccurring choppage

DataPoint FWIW:

began pulls on 2/23/2009 with 3 services (CreditCheck Total, CHASE Identity Protect & CreditSecure from AMEX)

9 days and 27 pulls later the first TU inquiry was bumped:
03/03 pull removed a SECU 10/6/2008 inquiry

25 days and 69 pulls later the 2nd TU inquiry was bumped:
03/19 pull removed a 11/6/2008 barclays inquiry

26 days and 72 pulls later the 3rd TU inquiry was bumped:
03/20 pull removed a 11/6/2008 barclays inquiry

30 days and 84 pulls later the 4th TU inquiry was bumped:
03/24 pull removed a 1/7/09 Nat City CLI inquiry

I opened a checking account (aka coin deposit account) with Wells Fargo last week Friday (03/20/2009). Unexpectedly, Wells pulled hard on my EQ file. I found the timeliness to send credit file alerts to me to be very slow. I observed the following timeline with respect to how quickly different services send credit file alerts:

Experian based     AMEX CreditSecure	       03/23/2009	1:57 AM
Experian based	   Triple Advantage	       03/23/2009	3:57 AM*
Experian based	   CreditCheck Total	       03/23/2009	3:58 AM
TransUnion Based   TrueCredit	               03/23/2009	8:10 AM**
Equifax Based	   Deluxe ID Theft Block       03/23/2009      12:32 PM***
                   CHASE Identity Protection   03/23/2009	5:01 PM

*free service from my employer
**I haven't officially canceled the service (they are still trying to bill a closed card)
***received 1 year of monitoring for free from an old Netbank data file security access concern.

Same here. Nearly 50 pulls, nothing yet.

Alcibiades said: If you are only using one service, 500 pulls is not going to do anything either.

I'm using Chase and AMEX. I added NCIDP tonight.

jackcrawfish said: DataPoint FWIW:

began pulls on 2/23/2009 with 3 services (CreditCheck Total, CHASE Identity Protect & CreditSecure from AMEX)

9 days and 27 pulls later the first TU inquiry was bumped:
03/03 pull removed a SECU 10/6/2008 inquiry

25 days and 69 pulls later the 2nd TU inquiry was bumped:
03/19 pull removed a 11/6/2008 barclays inquiry

26 days and 72 pulls later the 3rd TU inquiry was bumped:
03/20 pull removed a 11/6/2008 barclays inquiry

30 days and 84 pulls later the 4th TU inquiry was bumped:
03/24 pull removed a 1/7/09 Nat City CLI inquiry

For CCT did you call to get the ~$9 deal?

jack - no creditkarma??

for me, TU bumps come quick, but i use 4+ services when i do it....EQ b* takes longer, i suspect because CK isnt touching it, or they may have a higher inquiry limit.

Enrolled with CCT. Then I called, got the $9.95 deal, and told him to activate my account today, but when I go to refresh my credit report it tries to charge me $40.

Still no option to refresh the report with NCIDP either.

Does this still work? How many soft pulls do you need to bump things off? I think there should be a better summary of this idea in the quicksummary.

Jackcrawfish,

Thanks for sharing your experience with us, is there a reason you're not using True Credit & PM 1,2,3? I'm subscribed to these services and want to know if I should replace them with what you have.

I'm using two, how many should I use?

I'm pulling through TrueCredit every day with no problem, anybody else have any problem?

solarUS said: hafez said: I'm pulling through TrueCredit every day with no problem, anybody else have any problem?
the TC daily pull capability is hit or miss. consider yourself lucky!IIRC it depends on how long ago you signed up.

vkcvkc said: do we need multiple services and multiple daily pulls to be able to bump old inquiries? or can we just use one service over a longer period of time...
if you think about it from a pure cost basis...because of the free trial periods for most of the services, it makes a lot more sense to sign up for a bunch of services and pull for 1-2 months to get b* than to just use one to b* for half a year....besides, i think there is very little data on the "slow and steady approach" to b* (that is, i dunno if it works)

NCIDP only allows 30 day pulls now. Just confirmed with rep.

TU bumped today. Still no b* on EQ. ~56 inquiries so far.

EQ report shows ~44 softs that I put on there. I guess I had some choppage?

Bumped the rest of my TU inquires off tonight.

Still no b* on EQ. I'm crossing my fingers with the hope my luck will change soon.

Question: I applied for a student loan after having done 50-60 pulls. Inquiry from loan appears. Pull report over next 2 days (only using 1 service the whole time). After 2nd pull, the new inquiry drops off.

Weird? Luck? Loan company made an error and is pulling again later?

wadeshaqwalker said: Question: I applied for a student loan after having done 50-60 pulls. Inquiry from loan appears. Pull report over next 2 days (only using 1 service the whole time). After 2nd pull, the new inquiry drops off.

Weird? Luck? Loan company made an error and is pulling again later?
if it's TU, you're just seeing the normal, temporary next-day dropoff. the pull generally comes back on the 2nd day following the pull.

solarUS said: hafez said: I'm pulling through TrueCredit every day with no problem, anybody else have any problem?
the TC daily pull capability is hit or miss. consider yourself lucky!

They still allow daily pull but only the TU credit report. The 3-CB pull is now only once a month.

TU inquires have not reappeared. Still no b* from EQ.

My TU inquiries are still gone. My first EQ inquiry bumped off yesterday.

when you were bumping 1 inq for 1 new pull, they (the inq's) were likely close together in dates, right? I too have the same nuance occuring right now. A few AOR inq were bumped within 2-3 days while the most recent EQ hard inquiry on my report has been taking 2 weeks (and still counting).

Another possibility for you (and me for that matter) is EQ chopped off 29 out of 30 inquiries from one of your services and left just one soft on file.