Yes, that's accurate.

For TU, use SmartCredit Premium and/or TransunionPlus. You need 65 instead of 85 hard/soft total.

Some people have argued that bumpage doesn't work with TU because all the inquiries remain on your TU Enhanced reports. However, when creditors pull your reports, they don't see that information from your enhanced report. Some disagreement exists here but I'm in the camp that says it works.

However, note that other companies such as Advanced Resolution Services (ARS) keep track of the # of credit applications you've had and sell them to banks. So despite B*, sometimes banks will know how many applications and inquiries you've had any way.