Hello everyone, This board kicks ass, I just wanted to drop a line and say that two months ago 10-14-03 to be exact I started using PG and CWG to pull my credit reports I have pulled them consistantly every day except maybe 3-4 days I missed and I went from 37 hard inq. in the last 2 years down to 6 as of today. Thanks so much. I am hoping to go prime after this month when all inquirys are gone and I pay down balances. Awesome information avalible here just look for it. LATER
The intention is to remove HARD inquerys from the credit report, to many is bad makes you look desperate. None is great, because of the inquerys I had I could not seem to get credit anywhere and kept applying for more out of confusion. Now I got it under control and relize the effect of to many inquerys. I have shot up 50 points on my faco so far just cause of the removals and that also includes my balances going up on some cards as well. I figure in a week I will be at 0 hard inquerys with about 132 soft inquerys which dont hurt I just don't want to split my file. BUMPAGE.... If you want to understand the concept look for it under search. LKH had some good posts on the subject.
Can anyone tell me what to do with EXP? I have YET to find a way to get some bumpage... i have had bumpage on TU and EQU. (THANKS BOARD!!)
Yes, for PG I enter my SS and agree to the electronic information waiver and I get a 3b with 1 score (Equifax's) and then I also use Equifax's Credit Watch Gold for 9.95 a month. Allows you to pull once every 24hours just like PG.
Re: Re: 37 hards down to 6 Delago, thanks for the great info. Just for my clarity, by using PG, I am pulling TU and EX and they will affect bumpage and then I should use Equifax's Credit Watch to get bumpage on EQ, is this all correct?
Re: Re: 37 hards down to 6 only Equ and TU will have bumpage.... EXP won't do squat!! I WISH you will have 2 soft on equ and exp per day by doing pg and creditexpert for exp. (exp won't do anything, still trying it anyway 9.95 per month for the exp one) TU gets 1 pull a day by PG
Re: Re: 37 hards down to 6 According to some of the data from Fair, Issac (the developers of the FICO), ONE inquiry is better than none!!!
What was your technique for removing the hard inqs. Did you just challenge them. Appreciate any advice in this area. Robert
I did Challege 6 of the inquerys through Eqifax's website my file was owned by CSC credit Services so actually through them, I ended up getting I think 4 removed that way. It seems if I had an account with the company they would not remove the inquery but if I applied and got denied then it would just disapper in about a week after I sent in the dispute. But the majority are off because of bumpage, I just checked today I am at 3 hard inquerys. Thanks all
I got my mother down from 30 inquiries to 5 inquiries on EQUIFAX. EXPERIAN has not responsed yet. EQUIFAX is way cool!
There have beensome posts on this, but you can get one extra EQ pull every day at the following link: http://www.yourcreditcounts.com/cred/yccc_quiz.jsp Also get free score every day...
I believe if you use this link you can bypass the household quiz and info bs... http://edelman.promotions.com/yourcreditcounts/reg.do Incidently it works even if you already have a subscription to one of equifax's services.
