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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

How to Remove Inquiries From Your Credit Report

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How to Remove Inquiries From Your Credit Report

Million Mile SecretsHow to Remove Inquiries From Your Credit ReportMillion Mile Secrets Team

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[Disclaimer:  I am NOT a financial planner, nor am I a lawyer.  Nothing in this post should be considered as a recommendation, suggestion, or advice for YOUR specific situation.  You should NOT use information in this post to make or not make decisions relating to your credit.  Consult your lawyer, accountant, or financial planner before making decisions which impact your credit.]

Remove Credit Inquiry

If you are new to miles and points or don’t apply for many credit card, you can skip this post.

Many folks apply for credit cards to earn miles and points.  However, each time you apply for a credit card, the banks look at your credit report (sometimes from more than 1 credit bureau).  This is called a “hard inquiry” and stays on your credit report for 2 years.  There are 3 main credit bureaus in the US – Equifax, TransUnion & Experian.

According to MyFico, in addition to impacting your credit score, lots of hard inquiries also suggest that you are a riskier borrower to banks.  So the banks software may automatically decline you for new cards if they see a lot of inquiries on your credit report.  But, as this post explains,  you can usually call the reconsideration line and explain how responsibly you manage credit and get approved for new cards.

How To Remove Credit Inquiry

I read about a way called “bumpage” (or “*B” for the paranoid folks who post information on the internet, but then try to hide it with cute codewords!) to remove credit inquiries from your Equifax and TransUnion (but not Experian) credit bureau over a year ago while googling around.

There is a thread on FlyerTalk about this as well as on credit forums, so it is hardly a “secret,” but I suspect that some will be upset by this post.

However, the method involved a bit of work and I had hundreds of other posts on my “to-do list”, so I didn’t research it myself.

However, Kendra, a Million Mile Secrets reader, who I met at the Frequent Flyer University performed her own experiments and managed to remove hard credit inquiries from her credit report in just a few months.

Kendra has written the first of a 3-part series on removing credit inquiries on her blog, Points & Pixie Dust, so head on over to her blog to see her experience in removing credit inquiries from her credit reports!

Risks

Please do your OWN research and diligence before using “bumpage.”  One big risk is that too many “bumps” or soft inquiries could result in a split credit file which means that you have 2 files (instead of 1) with a credit bureau.  And it will take some time to contact the credit bureaus to get it fixed.

Another possible risk is that a bank, credit bureau, or overzealous prosecutor could consider bumpage as fraud and pursue legal action against folks.  I’m not a lawyer, so nothing I write is legal advice, but I try to share all possible outcomes (however remote).

Bottom Line

I haven’t tried bumpage as yet (and don’t know if I will), but it could be helpful to some (be sure to study the risks and do your own diligence before).  I’m also not sure if having fewer inquiries will really help get approved for more cards, because the new credit lines will still appear on your credit report despite there being fewer inquiries.

Thanks to Kendra for sharing and writing a series of posts on it!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Hello! I am trying to fix my credit now as well and it appears I have a 670. I had a mark on my account, a bill in collections and I paid it off in full… do you know how long it takes to show that it was paid on my credit report? Also, is it true that checking your credit lowers your score? Also, I’ve heard there is a way to have dings entirely removed by mailing a letter? And if there’s something night right on your credit who do you contact? Thank you, and I appreciate the time you are spending to help other people.

Please give a number to speak to someone please to remove my inquiries

Bumping inquiries is still alive and well on transunion. ..there is only one method known to still work

Nice

I suspect something goes on behind the scenes when simply making a hotel reservation. There was an event in late December 2013 in Sacramento at the Hilton Hotel. I just wanted to make a reservation for the one night. But talking reservation takers instantly turn into Hilton Rewards salesmen. The deal they offered sounded great but i told them that my travel would need to be for 2015, that I could not use the plan in 2014. The person said it would not be a problem but after a lengthy conversation, he said he needed to ask his supervisor for approval. The supervisor eventually comes on the line and informs me the plan would NOT allow me to use the benefit in 2015, it had to be in 2014, so I declined the offer. However…..what I did not know was that during the question and answer period for which they knew nothing except who I was and where i live AND my Visa card number, nobody EVER mentioned anything about running a credit report on me. But on that very same day I incurred a $1 charge to my credit card. And several days later another charge for $29.99, both being charged to Experian!!! I considered this fraud at first, and contacted my issuing credit union right away, I had to sign an affidavit swearing I never asked for any services from Experian. However, now that I got curious about how this could have happened, it dawned on me that HILTON and Experian are related companies. This is indeed fraud in my book, and I might seek an attorney. I have since had to close my credit card and re-establish automatic bill payers. How dare they do this? Any opinions out there?

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