peteypablo said: Cheapoking said: I've been using NCidentity protect through PM123 for over three to four months, and I have yet to see a drop inquire for any of the CB?
Yes, TU based services won't bump TU, and a single service will bump EQ only in extraordinary circumstances, if at all.
I had all of my 2008 hard Experian inquiries fall off with today's pull. (see before and after images)
EDIT:Unlike my report, MrsJ's 2008 Experian hard inquiries did not fall off.
EDIT2: I pulled an Experian report tonight to view my softs and discovered that all of 2008 is completely missing and the daily recording of pulls by TrueCredit and AMEXCreditSecure are now shown monthly (in the same manner EQ has been doing forever with choppage)
jackcrawfish
Senior Member - 2K
posted: Apr. 1, 2010 @ 8:05a
Federal Trade Commission rules governing the advertisement of free credit reports take effect Friday.
To skirt new federal rules regulating Web sites that advertise free credit reports, they no longer are advertising "Free Credit Report!" Insteadthey have changed their look in recent days and now say they're offering "Free Credit Scores." ............................ TrueCredit.com parent TransUnion and CreditReport.com parent Mighty Net Inc. did not immediately respond to requests for comment. Experian, which owns FreeCreditReport.com, said in a statement this week that it "has been, and will continue to be, in compliance with the FTC's rules regarding the marketing of free credit reports. We remain committed to clearly and conspicuously disclosing to consumers that the free report we offer is not the free annual credit file disclosure provided by federal law, and plan to comply with the FTC's rules."
hirenrp
Senior Member
posted: Apr. 20, 2010 @ 12:22p
Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks.
jackcrawfish
Senior Member - 2K
posted: Apr. 20, 2010 @ 12:46p
hirenrp said: Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks.Still works but can be a pain in the arse to acheive (not to mention costly).
It is highly reccommended you use 4 services (three is adequate in some months and even two CAN work if there is no choppage to your EQ file for 60+ days).
solarUS
Senior Member - 1K
posted: Apr. 20, 2010 @ 4:35p
hirenrp said: Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks. good god! 26 inquiries in 2 years...how many are on experian?
Cheapoking
Loyal Member
posted: Apr. 20, 2010 @ 8:19p
solarUS said: hirenrp said: Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks. good god! 26 inquiries in 2 years...how many are on experian?
I though those numbers were common among FWr's?
hapsnn
Member
posted: Apr. 20, 2010 @ 8:23p
I was poking around creditboards and there seems to be a "chop list" that some people get put on, and some people are not on it so they don't get chopped at all. Current popular theory is that doing a "backdoor" puts you on the list.
hirenrp
Senior Member
posted: Apr. 21, 2010 @ 9:50a
hapsnn said: I was poking around creditboards and there seems to be a "chop list" that some people get put on, and some people are not on it so they don't get chopped at all. Current popular theory is that doing a "backdoor" puts you on the list.
Whats a backdoor? Can you reference the thread? Thanks.
hirenrp
Senior Member
posted: Apr. 21, 2010 @ 9:51a
solarUS said: hirenrp said: Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks. good god! 26 inquiries in 2 years...how many are on experian?
Haha, most of them are multiple pulls, only a few (4?) are single pulls, not too sure about experian, assuming between 12 and 14?
hirenrp
Senior Member
posted: Apr. 21, 2010 @ 9:52a
jackcrawfish said: hirenrp said: Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks.Still works but can be a pain in the arse to acheive (not to mention costly).
It is highly reccommended you use 4 services (three is adequate in some months and even two CAN work if there is no choppage to your EQ file for 60+ days).
Any good reccomendations?
jackcrawfish
Senior Member - 2K
posted: Apr. 21, 2010 @ 10:05a
hirenrp said: jackcrawfish said: hirenrp said: Does bumpage still work? or does it get chopped? I have about 12 hard inquiries on TU and 14 on eq that i want to knock off. Any help would be greatly appreciated. Thanks.Still works but can be a pain in the arse to acheive (not to mention costly).
It is highly reccommended you use 4 services (three is adequate in some months and even two CAN work if there is no choppage to your EQ file for 60+ days).
Any good reccomendations?Credit Check Total (29.99 per month though some get retention deal for less after calling to cancel) Credit Secure (only available if you have an American Express card) USAA CreditCheck Monitoring Premium
read all you ever wanted to know about these services (and nuances related to bumping hards) via this link to a creditboards thread
notalotbot
Member
posted: Apr. 26, 2010 @ 5:11a
Looks like TU is reinserting bumped inquiries again.
Rorer714
Senior Member
posted: Apr. 26, 2010 @ 6:38a
notalotbot said: Looks like TU is reinserting bumped inquiries again.Many reports of this now!!!
peteypablo
Senior Member - 1K
posted: Apr. 26, 2010 @ 7:27a
11 inquiries came roaring back for DW and 10 for me. I guess it's too early to tell if they bump again? I'm going to try. If they don't, I'll have to reconsider whether it is worth it to maintain Credit Secure for 1)better detail than Credit Karma, and 2)ability to dispute balances online.
74ak
Addicted Member
posted: Apr. 26, 2010 @ 10:43a
The same here: 7 inqs came back on TU
FootInMouth
Thrifty Member
posted: Apr. 27, 2010 @ 6:57p
4 back here.
caliness
Happy Member
posted: Apr. 27, 2010 @ 9:39p
ColbyS said: 4 back here.
And you didn't believe me.
FootInMouth
Thrifty Member
posted: Apr. 28, 2010 @ 12:32a
Yep. Karma for giving you red I guess. According to everyone on CB TU is hunkering down.
ColbyS said: According to everyone on CB TU is hunkering down.I pulled MrsJ's Transunion report this morning. She had a couple of September 2009 hards added back to her credit profile. More importantly, all of the pulls she has been doing this month (with USAA, CCT, NCIDP, CreditSecure & My Privacy Matters) were chopped (in the same way EQ chops).
See image at left.
What's unknown is whether this will be a daily chop by TransUnion or monthly like EQ does. I suspect TU will chop daily just like they have been doing with Credit Karma.....
JAGLUR
Wacky Member
posted: Apr. 29, 2010 @ 2:20a
man, my cr looks ugly now with all TU inquiries back
Uso
Senior Member
posted: May. 4, 2010 @ 9:06a
Anyone get bumpage after the chopage on 4/26?
jackcrawfish
Senior Member - 2K
posted: May. 4, 2010 @ 10:03a
Uso said: Anyone get bumpage after the chopage on 4/26?Yes. DW bumped a 09/29/2009 re-inserted hard with a 05/01/2010 pull.
notalotbot
Member
posted: May. 4, 2010 @ 10:39a
My soft pulls are now capped at 52 no matter how many pulls I initiate. 63 pulls are needed for a an inquiry to be removed so TU bumpage is dead for me.
Can anyone direct me to a credit monitoring progam that can bump transunion inquiries, i have research them all and most can pull only monthly,cct is experian based and unable to bump transunion, i have research these companies,privacy guard,identity guard,privacy matters,usaa credit check same as consumerinfo.com,chase id protection,AMEX secure id,national city identity protect,i am only using credit karma for now,all of these were research as of 5/4/10, has all these companies caught on to the bumpage practice
notalotbot
Member
posted: May. 4, 2010 @ 11:13a
inquiryfree said: Can anyone direct me to a credit monitoring progam that can bump transunion inquiries, i have research them all and most can pull only monthly,cct is experian based and unable to bump transunion, i have research these companies,privacy guard,identity guard,privacy matters,usaa credit check same as consumerinfo.com,chase id protection,AMEX secure id,national city identity protect,i am only using credit karma for now,all of these were research as of 5/4/10, has all these companies caught on to the bumpage practice It's not the credit monitoring companies that have caught on, it's Transunion. Good luck.
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