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The Master Equifax & TransUnion B* Bumpage Thread


BobWang
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i have asked you a few questions in the past and you help me alot in regards to my equifax report. a year now after i removed all inquiries successfully i have had new ones to remove so last i checked it was 80 soft pulls, the last few days i checked and i see 0 !!! any idea what could this be? please please answer. thank you so much.

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i have asked you a few questions in the past and you help me alot in regards to my equifax report. a year now after i removed all inquiries successfully i have had new ones to remove so last i checked it was 80 soft pulls, the last few days i checked and i see 0 !!! any idea what could this be? please please answer. thank you so much.

 

EQ B* is dead.

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You can stay off for a day or two and miss major developments... B*is also dead for EQ, BTW. No D* for AmEx, Redbirds are very restricted in their use for MS, and Diners has no more plastic for cards,and Costco Amex is being taken over by Citi.

 

Liz's digest of Whats Happening on CB for last three months...However, Kman claims to have a B* method for EX...

 

JUST KIDDING...

 

 

I need to log on more often... dam.

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You can stay off for a day or two and miss major developments... B*is also dead for EQ, BTW. No D* for AmEx, Redbirds are very restricted in their use for MS, and Diners has no more plastic for cards,and Costco Amex is being taken over by Citi.

 

Liz's digest of Whats Happening on CB for last three months...However, Kman claims to have a B* method for EX...

 

JUST KIDDING...

 

I need to log on more often... dam.

Yes, that's what happens when you get bored. You miss out on important information. :P

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You can stay off for a day or two and miss major developments... B*is also dead for EQ, BTW. No D* for AmEx, Redbirds are very restricted in their use for MS, and Diners has no more plastic for cards,and Costco Amex is being taken over by Citi.

 

Liz's digest of Whats Happening on CB for last three months...However, Kman claims to have a B* method for EX...

 

JUST KIDDING...

 

I need to log on more often... dam.

Yes, that's what happens when you get bored. You miss out on important information. :P

 

 

Yeah, no kidding. I'm glad I did a cycle in fall and didnt wait.

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i have asked you a few questions in the past and you help me alot in regards to my equifax report. a year now after i removed all inquiries successfully i have had new ones to remove so last i checked it was 80 soft pulls, the last few days i checked and i see 0 !!! any idea what could this be? please please answer. thank you so much.

 

EQ B* is dead.

 

OMG what can i do now? any suggestion?

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EQ in my experience is between 24 and 25 months.

 

EX always 25 months.

 

TU...Officially 24 months, but I was seeing inquiries fall off within 14-18 months. Even before I stumbled onto B*

EQ and TU fall off after 24 months on the anniversary date.

 

EX fall off after the first full non-holiday weekend in the 25th month.

 

TU inquiries have always fallen off sooner for many people from the softs that count for B*, even when not trying.

 

This isn't a YMMV subject.

Edited by mendelssohn
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Hi there, newbie here. :wave: I made a huge mistake and have a ton of inquiries on my credit report thanks to a Dealership where I bought a car. :angry:

 

is there thread on here that shows how to remove them from my report?

 

Thank you!

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Inquiries from rate shopping for a car loan won't affect your score. Best to just let them age. After 6 months they have no effect at all. Are you getting ready to buy a house or something like that?

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Inquiries from rate shopping for a car loan won't affect your score. Best to just let them age. After 6 months they have no effect at all. Are you getting ready to buy a house or something like that?

Hi Breeze Thank you for the reply.

 

I am planning to buy a home next year eventually. I would like to have my score bumped up by this year as I am paying off all my collections at the moment. I paid off all my pay day loans and tax liens I had. Next month I pay off my Capital One that went into Collections in full. I'm hoping to see some bumps in my score.

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No no no no no.

 

Paying off that stuff is not going to raise your score.

 

If anything it's more likely to lower it.

 

You need to do a lot of reading around here before doing anything.

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Inquiries from rate shopping for a car loan won't affect your score. Best to just let them age. After 6 months they have no effect at all. Are you getting ready to buy a house or something like that?

Hi Breeze Thank you for the reply.

 

I am planning to buy a home next year eventually. I would like to have my score bumped up by this year as I am paying off all my collections at the moment. I paid off all my pay day loans and tax liens I had. Next month I pay off my Capital One that went into Collections in full. I'm hoping to see some bumps in my score.

By next year, inquiries will have 0 impact on your FICOs. Removing all of them would not give you even 1 additional point.

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Inquiries from rate shopping for a car loan won't affect your score. Best to just let them age. After 6 months they have no effect at all. Are you getting ready to buy a house or something like that?

 

Hi Breeze Thank you for the reply.

 

I am planning to buy a home next year eventually. I would like to have my score bumped up by this year as I am paying off all my collections at the moment. I paid off all my pay day loans and tax liens I had. Next month I pay off my Capital One that went into Collections in full. I'm hoping to see some bumps in my score.

No no no no no.

Paying off that stuff is not going to raise your score.

If anything it's more likely to lower it.

You need to do a lot of reading around here before doing anything.

Quoted so maybe they'll get a notification and take heed^

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No no no no no.

 

Paying off that stuff is not going to raise your score.

 

If anything it's more likely to lower it.

 

You need to do a lot of reading around here before doing anything.

 

YIKES!!!

 

I didn't know :(

 

Well I did want to pay off my PayDay Loans and State Tax Lien and they weren't that old so I needed to do that but the rest I'll send letters out to have them erased off my report.

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Inquiries from rate shopping for a car loan won't affect your score. Best to just let them age. After 6 months they have no effect at all. Are you getting ready to buy a house or something like that?

Hi Breeze Thank you for the reply.

 

I am planning to buy a home next year eventually. I would like to have my score bumped up by this year as I am paying off all my collections at the moment. I paid off all my pay day loans and tax liens I had. Next month I pay off my Capital One that went into Collections in full. I'm hoping to see some bumps in my score.

By next year, inquiries will have 0 impact on your FICOs. Removing all of them would not give you even 1 additional point.

 

 

Thank you and everyone else for the advice! I really appreciate it :)

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No no no no no.

 

Paying off that stuff is not going to raise your score.

 

If anything it's more likely to lower it.

 

You need to do a lot of reading around here before doing anything.

 

YIKES!!!

 

I didn't know :(

 

Well I did want to pay off my PayDay Loans and State Tax Lien and they weren't that old so I needed to do that but the rest I'll send letters out to have them erased off my report.

 

It doesn't work that way... you can dispute them if they are past SOL (statute of limitations) in your state but they may have the papers to validate them... read about "validation of debt" and don't kick any sleeping giants...

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The last post in this topic was posted 2401 days ago. 

 

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