I understand that there is a bug with Equifax such that if you pull your credit report enough times, you eventually will bump off older hard inquiries other than those for mortgages and cars.
Please explain how this 'bumpage' is done.
Thanks.
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Sign up to join this communityI understand that there is a bug with Equifax such that if you pull your credit report enough times, you eventually will bump off older hard inquiries other than those for mortgages and cars.
Please explain how this 'bumpage' is done.
Thanks.
Seems like it would be easier to wait. Credit inquires don't make up such a large part of your score.
Pay your bills on time, don't have a ton of debt and your credit will heal quickly without trying to game the system.
Equifax is only one of three players, so anything you do to "fix" equifax is going to show up on the others. Bumping inquires off of Equifax will just pollute Transunion and Experian.
Edit from JoeTaxpayer - You might consider signing up at CreditKarma, a free service, it will let you see the inquiries in real time, and knowing they fall off after two years, you can track the impact to you score.