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Showing results for tags 'bumping'.
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Okay. So, in a rush, to my credit building started. I apped for a few cards, that I shouldn't have (Chase Freedom, Amex Everyday).. before I realized, I had to start from the bottom (Capital One & Discover). I applied for Discover "It" for Students & Capital One Journey (both unsecured cards) and got approved. However.. upon looking over my credit reports, my idiocy in applying, and striking out over & over dinged my equifax quite a bit (in hard inquires). So, when I heard of the word "bumping" I practically did 10 cartwheels, and spent an hour jumping up & down. Currently My Hard Pulls consist of this - Transunion - 4 Experian - 3 Equifax - 6. I'm a lot luckier than others, I understand that. But.. I still want to burn off a few of these Equifax hard pulls. I'd be happy with just one less, but, two would be amazing. I just don't completely understand the process. Is there anyone here, who would consider showing me the right direction, or, helping me understand the process itself? Seeing that Equifax Number, just, kills me. And, I just wanna make it go away. If it's possible.
Greetings from Ontario How can I stop hard inquires from the showing up on my credit report when I have no trade lines associated with them? I've been reading extensively throughout this forum but most rules seem to apply to the USA........... I've sent letters indicating that i have no knowledge of the debt...they stop then another collection company starts up.... and another hard inquiry...can i ever get out of this vicious cycle? Thanks in anticipation of any replies...........