Bumping off hard inquiries

[MarineVietVet]

---

@Anonymous wrote:

 

Thank you so much for clearing that up.  My heart literally sank when I saw that!  The funny thing is, I have noticed one or two old/good/closed accounts falling off but I play by the rules.  I guess the 10 year time frame was up!  When accounts age like that and fall off, does this hurt your score at all?

---

It can if it lowers your AAoA and credit length history. That's one reason it's recommended to try and keep accounts open if at all possible.

Here is an excellent thread talking about the pros and cons of Closing Credit Cards if you haven't read it yet.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

 

[LS2982]

---

@MarineVietVet wrote:

---

@Anonymous wrote:

Each time I pull my reports (for my eyes only) it generates a soft pull.  So by subscribing to USAA and doing my daily pulls through them, I can actually end up hurting my AAoA and credit score by having good closed accounts fall off?  This doesn't seem right.

---

To be clear we're not talking about normal credit monitoring. We're talking about those who purposely and deliberately pull a report many, many times in an attempt to manipulate the system. This is the practice (and the advocacy of same) that is a violation of the Forum's credit repair guidelines

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

---

I'm still unclear on this. I refresh my credit reports every day with all 3 CR's as I have CMS through all 3. Is that bad?

[Anonymous]

From what I gather, you/we are in the clear.  Like you, I have the opportunity to pull every day and I do take advantage of that....not deceptively.

[MarineVietVet]

---

@LS2982 wrote:

---

I'm still unclear on this. I refresh my credit reports every day with all 3 CR's as I have CMS through all 3. Is that bad?

---

What you are doing is fine. What I'm talking about is excessive pulls meant to do only one thing,

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

---

@MarineVietVet wrote:

---

@LS2982 wrote:

---

I'm still unclear on this. I refresh my credit reports every day with all 3 CR's as I have CMS through all 3. Is that bad?

---

What you are doing is fine. What I'm talking about is excessive pulls meant to do only one thing,

---

Yep - what MVV said.  You are absolutely fine.  Those who do excessive multiple pulls are the ones at risk of losing their good old closed accounts earlier than they would have otherwise.

[LS2982]

---

@Anonymous wrote:

---

@MarineVietVet wrote:

---

@LS2982 wrote:

---

I'm still unclear on this. I refresh my credit reports every day with all 3 CR's as I have CMS through all 3. Is that bad?

---

What you are doing is fine. What I'm talking about is excessive pulls meant to do only one thing,

---

Yep - what MVV said.  You are absolutely fine.  Those who do excessive multiple pulls are the ones at risk of losing their good old closed accounts earlier than they would have otherwise.

---

when you say excessive pulls meaning apping for new credit??? What kind of pulls are you talking about?

[Booner72]

Yah - what's excessive?  How the heck can you pull more than once a day?  Isn't that excessive?  I'm so scared I'll bump off my student loans I don't even use EQ ID anymore.

[laz98]

i'm sure if you are only pulling your reports 1x a day, or 2x a day if you have more than one monitoring service, you should be fine.

[MarineVietVet]

---

@Booner72 wrote:

Yah - what's excessive?  How the heck can you pull more than once a day?  Isn't that excessive?  I'm so scared I'll bump off my student loans I don't even use EQ ID anymore.

---

The truth is I can't go into detail as to how people go about bumping inquiries because unfortunately some unethical folks would then use that knowledge to actually do it.

Just be aware that if you do normal credit pulls there should never be a problem.

(Please don't ask me what "normal" is). 

Edited for a typo.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Booner72]

Hey, MV:  Please define "normal"