jef2000 said:sonnysighedup said:I didn't know this and would be grateful if you could point me to where and when creditors expressed diminished confidence in TU's reporting, especially as it relates to bumpage.

I don't know that it was done publicly, but I'm sure it was going on in private. Credit reporting and scoring is all about producing accurate models. Allowing people to manipulate the data in a way that distorts what the information purports to represent makes the model less accurate. Do you think that that once their customers found out the information was flawed, they would continue purchasing the product -- particularly when there's more accurate information available.

Doubtful.

The three credi reporting agencies have somewhat of a monopoly on what they do. Lenders use all three to report credit and to give credit (with a mortgage, for example).

The lenders may have lost some confidence in the companmies, but there is little to nothing they can do besides ask these agencies to change their policy.

Last name M. Still sitting at 4 TU and I know for a fact that I've bumped at least 15-20 in the last 18 months.

those Mother F-ERs, 4 INQs came back from late 2006.

time to cancel TrueCredit

6 inquiries were restored today, all from my A0R last October (I got 7 TU inquiries from that, so one was not restored - only one of two inq dated 10/6 came back, in addition to inquiries dated 10/8, 10/10, 10/10, 10/13, and 10/16). Had 14 as of mid-Nov; according to previous copies of my report I've actually had 13 inquiries over the past two years.

Adding 6 eight-month-old inquiries dropped my PM123 score 15 points, CreditKarma score (whereever that comes from) dropped 24 points.

All self-initiated pulls from TrueCredit and PM123, except for ~50 from CreditKarma.

Last name - "T"

One interesting note - one inquiry was originally from "FIA CSNA", it is now listed as being from "Bk of Amer".

Last names means nothing. My last name starts with B and I think none of my inquires I bumped have shown back up yet as my Karma CS has not changed in over 1 month but I am sure they will sooner or later. Only reason I am using Credit Karma is because I canceled TU like 3 months ago. I noticed people on credit boards have reported inquiries have shown back up on there reports and there last name start with E,F, G so maybe the order they are processing people accounts is based on SSN, or people who have active TU credit service or some other method but it does not seem to be based solely on your last name.

Does Credit Karma use Transunion Interactive as its underlying engine? Perhaps that's why my inquiries haven't been added back, since most of them were bumped using CK for about 2 months straight back in March and April, and I still continue to use CK pretty often; I only did about 4 pulls using PM123 back in April. I don't think last names have anything to do with this.

Can anyone who has had their inquiries added back tell us if their soft inquiries have been chopped from their TU report?

WalStMonky said:My last name starts with B and I think none of my inquires I bumped

Wow, dolmar bumps. Hey dolmar, I thought you thought it highly unethical to game the system in order to make the issuers think your less of a risk. Perhaps you just bump for kicks and giggles? There's a word running through my brain and it starts with the letter h, ends with e, and has 9 letters...LOL!!! Am I close?
H _ _ _ C _ _ _ E

tuffghost said:Does Credit Karma use Transunion Interactive as its underlying engine? Perhaps that's why my inquiries haven't been added back, since most of them were bumped using CK for about 2 months straight back in March and April, and I still continue to use CK pretty often; I only did about 4 pulls using PM123 back in April. I don't think last names have anything to do with this.

Can anyone who has had their inquiries added back tell us if their soft inquiries have been chopped from their TU report?

They chopped the heck out of my softs. Just showing half my pulls from CIDP from May-June and only 2 of my AR from CITI appear.

Just pulled today to see 4 inquiries back up.

If you're gaming the system, and you get caught, you have no right to be outraged. It's happened to me, and I dealt with it, but I didn't blame Citi for trying to curtail my not-profitable-for-them activities.

If TU wants to bring back all my bumped inquiries, so be it. I'm not going to whine about it.