Originally Posted by
iliopsoas
Are you sure about that? I just bumped a bunch of inquiries off my EQ and TU reports recently.
It's been written many times that attempting to B* will work temporarily and after a while the inquiries have re-appeared weeks or months later.
Google it on flyertalk.
I'm currently at:
EX: 12
EQ: 1 (Few more days for it to fall off)
TU: 6
Successfully using B* on TU hasn't worked for many for quite some time. Also, there are ways of triggering the INQ's back on to Equifax as well.
Originally Posted by
wastedwords
Whether or not the inquiry is on your report, they can still see the accounts you have currently, their credit limits, and the date each account was created. I don't see why the "hard pulls" are so important.
I'm a programmer, so it just makes sense to me that they'd be able to chomp on that data and figure it out for themselves.
I wonder if some credit algorithms are already advanced enough to ignore the inquiries physically listed on the report and instead infer the actual number of inquiries based on your accounts and account age.
Irrelevant. A credit writer can see that stuff and make those conclusions, but during the initial application process if you are granted a credit card without having to talk to a rep (or credit writer) or recon for one.....they will never be the wiser.
I have been using EQ inquiries for credit line increases and new chase cards. Bumped the INQ's off and gotten new cards during my "clean" report period.