I'm stumped. I'm not so sure what is the answer to your question. I'll do some poking around and get back to you if I bump into an decent answer. You should email the people at Discover Card as they probably could assist you..

Requests Viewed By Others.

According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may review your credit information. When a request for your credit history is made, a record of who made the request and the reason they reviewed your credit will display on your credit report for two years..

No Requests viewed by others appear on your report..

Requests Viewed Only By You.

According to the Fair Credit Reporting Act, credit grantors listed in this section had a permissible purpose to review your information, although the requests listed in this section do not display to them. When a request for your information is made, it will display on your credit report for two years..

We report these requests only to you as a record of those who reviewed your information, and we do not include any of these requests on credit reports to others...

Requests Viewed By Others = HARDs.

Requests Viewed Only By You = SOFTs..

Becareful with the bumping.after awhile I stated to lose trade lines on TU and EQ chops..

...and many others have.

Never.

Had that happen.

(even after 3 years of daily)..

It took 2 years of pulling every day for it to happen to me .TU accounts started to drop like flies and EQ chops me now every 18th of the month..

YMMV.

"B" is dangerous for some...and.

NOT.

For others.

I would stop cold doing "B" on the first lost account.

This post has been edited by.

GEORGE.

: 23 January 2010 - 07:16 PM..

Ok...here is my XPN inquiries:.

ADVANTAGE CREDIT INTER 10/30/2009 Real Estate Specific Type Unknown.

AVANTUS LLC 12/24/2008 Real Estate Specific Type Unknown.

AVANTUS LLC 09/11/2008 Real Estate Specific Type Unknown.

CBCINNOVIS 11/04/2009 Conventional Real Estate Loan, Including Purchase Money First.

CBCINNOVIS 10/29/2009 Conventional Real Estate Loan, Including Purchase Money First.

CBCINNOVIS 10/08/2009 Conventional Real Estate Loan, Including Purchase Money First.

CBCINNOVIS 03/23/2009 Conventional Real Estate Loan, Including Purchase Money First.

CBCINNOVIS 01/14/2009 Conventional Real Estate Loan, Including Purchase Money First.

CITIFINANCIAL 08/21/2008 Unknown - Credit Extension, Review, Or Collection.

CITIZENS BANK 06/06/2008 Unknown - Credit Extension, Review, Or Collection.

CREDIT INFORMATION BUR 01/04/2009 Real Estate Specific Type Unknown.

CREDSTAR 09/18/2008 Real Estate Specific Type Unknown.

CREDSTAR 08/26/2008 Real Estate Specific Type Unknown.

EQUIFAX MORTGAGE SERVI 01/11/2010 Conventional Real Estate Loan, Including Purchase Money First.

EQUIFAX MORTGAGE SOLUT 06/11/2009 Conventional Real Estate Loan, Including Purchase Money First.

KROLL FACTUAL DATA/060 04/26/2009 Real Estate Specific Type Unknown.

KROLL FACTUAL DATA/060 02/18/2009 Real Estate Specific Type Unknown.

KROLL FACTUAL DATA/060 10/15/2008 Real Estate Specific Type Unknown.

KROLL FACTUAL DATA/060 08/25/2008 Real Estate Specific Type Unknown.

KROLL FACTUAL DATA/060 07/07/2008 Real Estate Specific Type Unknown.

KROLL FACTUAL DATA/060 03/11/2008 Real Estate Specific Type Unknown.

LANDSAFE 09/02/2009 Real Estate Specific Type Unknown.

MALDEN CITY EMPLOYEE C 08/27/2009 Unknown - Credit Extension, Review, Or Collection.

MALDEN CITY EMPLOYEE C 05/22/2008 Unknown - Credit Extension, Review, Or Collection.

MALDEN CITY EMPLOYEE C 04/01/2008 Unknown - Credit Extension, Review, Or Collection.

MERCANTILE BANK & TRUS 01/04/2010 Unknown - Credit Extension, Review, Or Collection.

MERCANTILE BANK & TRUS 07/28/2009 Unknown - Credit Extension, Review, Or Collection.

Would it make sense for me to start doing soft pulls to delete some of these ?

If you are trying to get rid of EX INQ's, you are out of luck - they can't be "B"-ed. "B" only works with TU and EQ, and works better on TU than it does on EQ for most...

I just read some more and found someone hear says that mortgage inquiries do not get bumped....can anyone confirm this?...as you can see from my above pos most of mine are mortgage inquries...trying to refinance out of hard money loan..

FALSE.

(at least for me).

THEY STICK LIKE GLUE and TAKE LONGER.

But all that means is newer ones go sooner than they otherwise would have.

This post has been edited by.

GEORGE.

: 24 January 2010 - 03:04 PM..

Just try it. It'll cost maybe $80 over 2 months for CCT, CS, USAA-CCMP, MPM. If it works, you will have 0 inquiries...

I need info on how to do this I have sooo many inquiries. Mine are mostly mortgage inquiries too but for $80 it's worth a try. What do I need to do to bump inquiries?..

You have to generate soft pulls for yourself every day til they disappear..

One thing to note- even if you have 20+ inqs, I wouldnt expect more than 10 points in score change. inquiries simply arent that important unless you are borderline on a score level or actually being denied credit based on inquiries...

HARD PULL IS WHEN YOU APPLY FOR A Discover card or LOAN.

(although some other businesses think they have a right to also pull a.

HARD.

For a non credit product).

It shows to anybody who pulls your credit report for an application.

There are softs...when you get your own credit reports.

PRM's (PRE-APPROVED" OFFERS).

"AR" (CURRENT COMPANIES REPORT PROGRESS OF ACCOUNT)..