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?
One of the things I always find frustrating when it comes to the credit “tricks” you hear about is how difficult it often is to get a simple, straightforward explanation of how exactly one does it. Instead, you do a search and end up on page 239 of 341 pages of forum posts about the topic. Do you start from the beginning and read all 341 pages? Or do you just go forward from the page it sent you to? Either way, you have to read every person’s response on every page of posts hoping somehow to put together some idea of how it was done.
Roots, Credit & Life 