Bumping News

Hi Paul,

I’ve had a subscription to True Credit for quite a while, and check it at least weekly, as I need to keep up with the score for business purposes.    I have a ton of  inquiries related to a commercial mortgage broker pulling multiple multiple times and passing my info around last year, but most had bumped off the TU account.     My TransUnion Score was 668 over the weekend,  and showed 4 inquiries.   Equifax and Experian were in the 625-640 range, both showing 20-30 inquiries.   

Today I pulled my score, and TU is now showing 17 inquiries, and my TU score has dropped to 625.   There are no new inquiries, the old ones are just back.     Nothing else has changed.    What gives?   I guess inquiries hurt a lot more than is generally advertised.    Can these be disputed any other way if they were NOT authorized?

Sarah

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Hi Sarah,

The bumping phenomenon you are describing seems to be affecting those with True Credit or TransUnion products directly.  It seems those who have bumped with non-True Credit products such as American Express CreditSecure haven’t been affected.

There will be more on this story as things develop.

Thanks for the questions and hope this helps.

Paul