01-06-2006 (54 posts)
First comment from this forum :
"there has been tons of questions lately about bumpage also known as *b. so here it is in a nutshell..... first of all, this is somewhat of a secret or glich and we dont want to talk a whole lot about it in every thread.
if you subscribe to daily credit pulls through truecredit and you pull your credit reports everyday..(this is known as soft pulls) after a while (takes about 3 months on average) the soft pulls will bump off the hard inquiries made to your credit reports. this only works on your TransUnion and Equifax reports. There is no ryme or reason as to when you will get this or to the extent it will work on equifax. there is only so much storage at these two CRA's for inquiries... so the softs eventually bump off the creditor hard inquiries. you will need to pull every day.. and do the update your credit reports and scores button on the site under credit reports tab. on the right side of the page near the bottom... it says update your reports and scores now. hit that to do the pull. this only works every 24 hours... not a minute sooner. creditors will never see your soft pulls... only you will see them when you get your reports. soft inquiries do not affect your scores.. just hard pulls which stay on for 2 years. hard inquiries from creditors cost you on an average of 7 points each for the first 6 months showing.. between 6 months and 1 year they cost you very few points... after 1 year they dont cost you any points... just look bad. but they do stay on your reports for 2 years. so, subscribe to truecredit for daily pulls and pull every day to receive bumpage. i think the site is truecredit.com and is offered by TransUnion. It may cost you like $29.95 or $39.95 to start your subscription. after that it is $9.95 per month for this service.. but i have heard that it went up to $14.95 in anycase if inquiries are a problem for you this is the way to go... and if you are going to pay for a monitoring sevice... you may as well get some benefit.. so we suggest this one. all questions regarding bumpage should be directed to this thread in the future.
"if you subscribe to daily credit pulls through truecredit and you pull your credit reports everyday..(this is known as soft pulls) after a while (takes about 3 months on average) the soft pulls will bump off the hard inquiries made to your credit reports. this only works on your TransUnion and Equifax reports. There is no ryme or reason as to when you will get this or to the extent it will work on equifax. there is only so much storage at these two CRA's for inquiries... so the softs eventually bump off the creditor hard inquiries. you will need to pull every day.. and do the update your credit reports and scores button on the site under credit reports tab. on the right side of the page near the bottom... it says update your reports and scores now. hit that to do the pull. this only works every 24 hours... not a minute sooner. creditors will never see your soft pulls... only you will see them when you get your reports. soft inquiries do not affect your scores.. just hard pulls which stay on for 2 years. hard inquiries from creditors cost you on an average of 7 points each for the first 6 months showing.. between 6 months and 1 year they cost you very few points... after 1 year they dont cost you any points... just look bad. but they do stay on your reports for 2 years. so, subscribe to truecredit for daily pulls and pull every day to receive bumpage. i think the site is truecredit.com and is offered by TransUnion. It may cost you like $29.95 or $39.95 to start your subscription. after that it is $9.95 per month for this service.. but i have heard that it went up to $14.95 in anycase if inquiries are a problem for you this is the way to go... and if you are going to pay for a monitoring sevice... you may as well get some benefit.. so we suggest this one. all questions regarding bumpage should be directed to this thread in the future.
see this forum at : http://www.credit-repair-forums.com/thread1086.html
1 comment:
There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money
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