LKH's Trick/Bumpage - screwed again

Chucky per FCRA the CRA's are to provide us with the SAME report that the creditors see.

 

We pull TU every day and have for months. We also have about 4 inqs each on there.

Bumpage is happening, but I can't get to the bottom of exactly how.

DemPooches

 

thanks, tnobles

 

it seems to have taken around 80-90 total inquiries on both my hubby's and my TU, then on thursday night last week all five of my hards disappeared, this week when I got hubby's to 90..all five of his disappeared thursday night/friday morning.
YES!!!!!!!, my faco score went up 50 points, hubby's went up 30

 

Ok. I checked again today and there is 69 inquires only (From 184 yesterday) and still the 6 hards

 

I'm now up to 99 inquiries and still no bumpage (all my hards are still welded on my report)





-Sal

 

I'm done w/ bumpage, lost all 8 hards. My inquiries are holding steady at 124, for weeks now.

 

I have had all hards removed from EQ and my hubby stills has one hard to go. When I logged on today I noticed I only had 84 inqs. The other day I had 126 inqs. It seems that EQ is now deleting excessive soft inquiries to possibly prevent bumpage. Has anyone else recently seen a considerable drop in their inquiries?

 

I checked the other day, and hubbys actually went up about 15 inquiries. When he got bumpage, they stayed the same for weeks. Now all hards are long gone, but the #'s are going up. Once we apply for a mortgage, I won't worry about my inquiries so much anymore. I'm fully expecting at least 3 or 4 mortgage hards in the next 6 months. It would be nice to lose a few of them, but I'm starting at 0 on EQ, 1 on TU,. and 2 on EXP (Unless there is a revival of docs trick) I won't sweat it anymore by that point. It becomes obsessive to try to get them all clean! LOL

BTW, my inquiries have stayed at the same # for a couple of months. My number is low though, 124. Do you think that has something to do w/ it? I know some people are well into the 170's. Maybe that's why??!!!

 

My inquiries are now at 111 and I still have not lost ANY of my 9 hards.




-Sal

 

I got at 130

 

I think it is more to prevent splitage

 

Yes, you are probably correct. I hope I can get that last hard one off my hubby's report before they start "fixing" his report as well.