Getting Rid of Inquiries on TransUnion

If you are on the road to credit repair, you know how important it is to add new positive accounts. Doing so, however, will start racking up the inquiries on your report pretty quickly.

You will come across references to bumpage or the B* or b* used to reference it without spelling out the word and alerting the credit reporting agencies! Haha.  If you can’t tell, that’s some major sarcasm!

So as far as “bumping” inquiries off of your credit report:  (1) there is no way to get inquiries bumped off of Experian – the inquiries you have on that one will remain there unless you can get them removed some other way; (2) Bumping inquiries off Equifax is possible – I have done it a few years back, but my recent attempts were unsuccessful, presumably due to Choppage or C*; and (3) TransUnion is pretty easy to do and doesn’t take that long.  I am going to tell you an easy way to eliminate your TransUnion inquiries.

What do you need?

You are going to need a triple-daily puller.  For those who don’t know what that is: it is a subscription to a site that allows you to pull/update your credit report and score every day.  There are not a lot of these left anymore – and you need at least two  triple daily pullers.  I used USAA and MPM – the USAA membership and My Privacy Matters:

• USAA:  You do not need to be in the military or meet any of their other regular membership requirements to join USAA via their website. Just sign up – you will not be able to open a checking account but you can become a member.  After you have joined, login and look for the Credit Check Total benefit they offer.  Sign up for the triple-credit monitoring.  If I am not mistaken, the monthly fee is around $33.  I called and complained about the price per month – they cut it in half and I paid $16 per month for this one.
• MPM:  My Privacy Matters.  To join MPM, you have to go through a different website – eliminateidtheft.com – they are $11.95 a month

Since you are bumping TransUnion, you can get your results faster by pulling through other TransUnion-based sites:

• SmartCredit:  Will let you pull your report and score every day if you choose the premium membership of $9.95 per month.
• CreditKarma:  Even though they don’t pull daily anymore, they pull a few times as a month – and they are FREE

So this could cost you over $50 per month.  Every day, after 24 hours has passed since pulling the day before, make sure you pull your credit report and refresh score through each site.  If you are diligent with doing this, you should see at least a few of the inquiries, if not all of them, gone within a month.

Questions?

Not in the moat! Chinese Defecating in Ancient Thai Moat

The following link leads to an article I found quite humorous – the fact that I came across it, considering its from Fox News, is itself funny as well: “Not in the moat! Chinese tourists with no experience abroad irk locals in Thailand, elsewhere”

Apparently the Chinese are making quite the spectacle of themselves as they travel the globe. The article’s headline is a reference to a photograph snapped of one Chinese tourist taking a poo in a 700-year old castle moat in Chiang-Mai, Thailand. Thousands of miles away in France, there is a sign posted in Chinese at the entrance to the Louvre asking that they not relieve themselves anywhere on the grounds.

We usually think of Asian tourists coming (1) in groups, (2) with cameras, and (3) quiet and reserved. That’s because the tourists we are accustomed to are the Japanese and the Koreans. Only in recent years have we even begun receiving tourists from the People’s Republic.  In 2007, there were not enough to include China on the top twenty nations of origin of inbound travelers to the U.S.  Korea, however, sent about 900,000 tourists while over 3.5 million Japanese tourists arrived.

By 2010, the surge in Chinese tourists had begun; 2.8 million Japanese and 934,000 Koreans, a substantial drop of 700,000 visitors from the Land of the Rising Sun. Ironically, China now made rank -700,000 Chinese tourists visited the U.S. in 2010.

The article’s comparison of this lewd and obnoxious Chinese behavior to the “Ugly American” of the post-World War II years seem a bit of stretch.  Yes, American teenage girls wore short skirts and sleeveless shirts into Iranian mosques. And there have been times I have been in Europe and embarrassed myself at how loud some of my fellow countrymen can be.

But I don’t think there’s any need for concern about us poppin’ a squat in the Louvre or any other historic buildings.