What Still Works: Removing Credit Inquiries

- Dec 24, 2018 credit, Credit Maintenance0 comments

Bumpage

The trick

There used to be a trick on how to remove credit inquiries though a process called bumpage. It worked as follows: Transunion designated enough room on a credit report for only 66 credit pulls. Equifax designated place for up to 85 credit pulls. (Experian did not have a maximum so this trick did not work with them.) These totals included both hard and soft credit pulls. So the process of bumpage was making daily soft credit pulls through free websites that offer to pull your credit daily for free. Then, after you made 66 to 85 credit pulls then your hard credit pulls will start falling off your credit report.

Update

Bumpage is dead! Doctor of Credit reports that besides for some rare instances, like in Texas state, bumpage is unfortunately dead.

Transunion Glitch

In the summer of 2016, Transunion had a system glitch. There were a lot of people reporting that all their credit inquiries fell off their Transunion credit report. But shortly afterward, the inquiries reappeared on their credit reports. The Fair Credit Reporting Act (FCRA) states that once an item is deleted from a credit report, it is not allowed to be put back on. The law does not refer to items that were removed due to a glitch, rather to items that were removed due to a dispute. It looks like Transunion does not have the data as to which credit inquiries were removed due to a dispute, and which credit inquiries were removed due to the glitch. Reports suggest that when a consumer files a complaint regarding their credit inquiries reappearing on their credit report Transunion will immediately delete it.

Update

Credit inquiries only remain on a credit report for 24 months. Therefore, any credit inquiry which was on your credit report during the Transunion computer glitch should by now be off your report, due to them being more than 24 months old.

Filing A Dispute with Bank

For now, it is time to go back to the good old dispute process. File a dispute with the bank who conducted the credit inquiry. Hope that the bank will not be interested in fighting with you, and will rather just remove the credit inquiry. In the dispute, you can ask the bank to provide you with documentation which proves that you gave them consent to conduct the credit inquiry. If the bank can’t give you the proper documentation, then they must remove the credit inquiry from your credit report.

With Experian, it might be possible to get inquiries removed by calling Experian and reporting them as fraud.

I may be biased. But as usual, for any disputes you may need to have with banks or credit bureau, I recommend you use a pro that knows the ins and outs, rather than trying to fight your way around all by yourself.

Wishing you a lot of success with building credit!

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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