All -

I am an employee of TransUnion Interactive, which powers websites that include TrueCredit, Privacy Matters 123 and others.

As a heads up, TransUnion is in the process of altering its electronic systems to eliminate the "bumping" of hard inquiries that should be reported on credit reports under FCRA guidelines. Within the next week, all appropriate hard inquiries that have been inadvertently bumped off of any report pulled through one of TransUnion's websites within the last two years will be placed back on the credit report. Upon implementation, it will no longer be possible to "bump" hard inquiries.

I am posting anonymously, but this is going to happen.

Thanks,
Transunion Associate

All -

I am Jesus Christ. The world is ending.

Get on your knees.

Thanks,
Jeebus

beethovengirl said:TransunionAssociate said:Within the next week, all appropriate hard inquiries that have been inadvertently bumped off of any report pulled through one of TransUnion's websites within the last two years will be placed back on the credit report.
How is this possible if no record of the past inquiries exists?

Same way your "sealed" juvenile record can be read

TransunionAssociate said:All -

I am an employee of TransUnion Interactive, which powers websites that include TrueCredit, Privacy Matters 123 and others.

As a heads up, TransUnion is in the process of altering its electronic systems to eliminate the "bumping" of hard inquiries that should be reported on credit reports under FCRA guidelines. Within the next week, all appropriate hard inquiries that have been inadvertently bumped off of any report pulled through one of TransUnion's websites within the last two years will be placed back on the credit report. Upon implementation, it will no longer be possible to "bump" hard inquiries.

I am posting anonymously, but this is going to happen.

Thanks,
Transunion Associate

So TransunionAssociate, are you officially speaking on behalf of TransUnion? If so, why are you anonymous and why the tone? You guys need some PR skills. Did you guys actually want to win the "Worst Company in America" tournament on consumerist.com?

Awesome news! It's about time they fixed that problem. Now they won't have to cancel customers who pull TrueCredit once a day!

Creditboards members are reporting that the bumped inquiries are coming back.

People also have no reason to complain about this. Some idiots on CB are even talking lawsuit (no surprise for that group of deadbeats). Everyone should have considered the possibility of bumped inquiries showing back up. Afterall, it was a bug in their system that caused it to happen. It was very unrealistic to think TU wouldn't address it at some point, especially after they acknowledged the existance of "bumpage" over a year ago and started shutting down TC accounts.

The people whining took a chance and it looks like they lost. They have nobody to blame but themselves if they went out and got dozens of TU pulls and never considered they'd appear on their report.

atobias said:People also have no reason to complain about this. Some idiots on CB are even talking lawsuit (no surprise for that group of deadbeats). Everyone should have considered the possibility of bumped inquiries showing back up.
There is a huge difference between going out and getting 10 inquiries on TU on one particular day for an AOR + expecting B* and only getting a couple inquiries at a time, waiting for old inquiries to fall off, + repeating. With TU inquiries B*ed from my CR, I made various financial decisions that I would not have, had the inquiries stayed on my CR. It's conceivable one might not have even realized that his inquiries were being B*ed and was just tracking improvements in their FICO score and made credit decisions accordingly. So, I think it's a bad move on TU's part to restore B*ed inquiries, which I thought were B*ed due to insufficient storage capacity, i.e. TU had no record of the inquiries, which is not comparable to a sealed juvenile record.

Now if TU wants to eliminate B* in the future, that's perfectly fine...one could never depend on it in the future.

My guess has always been that bumpage was caused by a fixed size field in some database structure. In the original design, a certain space was alloted for inquiries, and when the space is full something has to go--so some programmer decided to delete older inquiries to make room for newer ones. Now, it wouldn't be hard at all to write those deleted inquiries to some file before deletion, so they would be retrievable today. I'm sure TU has backups--possibly daily, possibly less often--of credit files with older info too. So retrievable COULD be possible. The question is whether TU would go to all the time, trouble and expense for a few gamers like us.

I think not. I vote troll. We'll know soon enough!

By the way, just because something is deleted from your consumer report doesn't mean it isn't in their databases. Just about every "baddie" is still kept in a database going back many years.

I'd love to see the CRAs put back all the bad tradelines, collections, etc that "CB'ers" got removed through friviolous and fraudulent disputing methods. Maybe I could feel like I could trust credit reports again. As it stands now, I view all of them with suspect and refer to public records and other databases for verification. Clean credit/good FICO can mean you're a stand up person who honors their obligations, or it could just mean you used tricks, AU accounts, and legal minutae to dispute everything off of your reports.

I can often identify a CB'ers report just by the tradelines that appear on it. One example, anyone that has Crown Jewelers and Hooters or a combination of other creditors along with certain credit unions on their report is an instant denial, even if they have clean reports and 750+ FICOs. Most of that crowd are habitual defaulters on a regular 3-7 year cycle.