The Master Equifax & TransUnion B* Bumpage Thread

[av2600]

I assume you have 4 hard inquiries.

 

6

[BobWang]

 

I assume you have 4 hard inquiries.

 

6

 

Then either the 81 is wrong, or 2 of those 6 are stickies.

[Brendon949]

Don't punch me but when you guys refer to pulls does it mean pulling the entire report dail or just the credit score???

[EnC_Plus3]

 

I don't think you can just pull just score...I'm sure I'll be corrected if I'm wrong. You can pull a report without a score, but if you get a score it comes with a report. Um...actually, if you have any free fico cards (like WM) you only get the score. For what this thread is dedicated to...we pull the reports, I don't think many people care much about the scores they may receive with the reports as they are fako.

[Kles]

What is "Andera" on the experian report?

[BobWang]

What is "Andera" on the experian report?

 

Banks & CUs pull when opening deposit accounts.

[IWOL]

I posted this question regarding TU B* before but i did not get any responses. Since there is no C* on TU do the softs just continue to pile up?

 

I know on EQ its first in first out so older softs get bumped. Once you hit the magic numbr on TU what happens to the softs that are older than the hards......do they just stay there for 2 years?

 

 

I thought I had read at some point that a certain number of softs on TU will cause the file to get locked up....is that true and is there a specific number that will cause that?

 

 

 

 

 

 

 

 

[BobWang]

TU used to remove the softs after 56.

 

Now all the softs stick around, so you have to manually count from your hard inquiries.

 

Those softs SHOULD drop off at 2 years.

 

Files locking are more an Equifax problem with archived full reports.

 

TU has locked people out of their files for peeking too often.

[Rebuilding2010]

My softs on TU fall off after two years for what its worth

 

Bob did u see the news article I posted in the GF? Go look. You'll see which one I mean.

[BDK]

My softs on TU fall off after two years for what its worth

 

Bob did u see the news article I posted in the GF? Go look. You'll see which one I mean.

Lol

[BobWang]

My softs on TU fall off after two years for what its worth

 

Bob did u see the news article I posted in the GF? Go look. You'll see which one I mean.

 

I'll scoot over there.

[BobWang]

I hate to admit that I can see myself doing that.

[IWOL]

What about softs and hards that are dated on the same day. Will the softs have to be bumped befor the hards of the same date?

[BobWang]

On the exact same day, hards come off first.

 

That's why you should do all your soft pulls,

 

then apply.

[BobWang]

[av2600]

 

 

I assume you have 4 hard inquiries.

 

6

 

Then either the 81 is wrong, or 2 of those 6 are stickies.

would an inq from a mortgage lender be a 'sticky'?

 

Those seem to be the two I cant budge

[BobWang]

Mortgage inquiries tend to be stickies.

[creditmmax]

Mortgage inquiries tend to be stickies.

 

+1 yes on EQ, however people have been known to get them B* from TU!

 

BTW: Bob I love your "I love the smell of Gunpowder in the morning" coffee cup. I gotta get myself one of those, I am a collector of firearms myself. Where can I order one?

[BobWang]

No "stickies" with TU.

 

Just Google the phrase on the coffee mug.

[up&climbing]

It's official!

 

First time B*er and I got it all done as of today before C* hit me.

 

I had 9 hp's on EQ between 9/14/12 and 3/11/13....the pull today shows ZERO!!

 

I had 11 on TU and down to 3, but those may be gone in the next day....woohooo!!!

[av2600]

Mortgage inquiries tend to be stickies.

 

Is it likely I wont be able to b* anything off until those two mortgage inq's fall off in a couple of years?

 

TU is clean.

[BobWang]

Newer non-sticky hard inquiries will be bumped off,

 

the stickies just stick around.

[av2600]

I had some success last night. They key for me was to archive my reports. Once I did that... all good under the hood!

[Day41]

so basically use usaa 66 X to bump inq off TU ?

[BobWang]

No