4 ms·
True thing: until recently you could remove hard inquiries from your credit report merely by pulling your own credit so often in one month using an array of dai
by encoderer 9y ago
True thing: until recently you could remove hard inquiries from your credit report merely by pulling your own credit so often in one month using an array of daily monitoring services that you would overflow the field and bump off legit inquiries.
I did this in 2009-10, it had been going on for a while, and lasted for a while but sadly I hear they've solved it seemingly by nightly batch job to remove your own credit pulls.
These companies are just barely functional for their purpose.
Experian seemed to have their act together a bit more.
- subroutine 9y agoI recently turned down a job offer at Experian; it (at least their San Diego office) was a shitshow.
- throwaway762 9y agoI used to work for Experian. When I left, they paid me an extra month's wages before their payroll caught up to the fact that I was gone, then had to ask for it back. (I paid them back, FWIW.) If you can't run your own payroll, why should you be trusted with a credit bureau?
- outoftacos 9y agoYou should see Denver. It was like The Shining.
- astura 9y agoHow many requests, specifically, did you have to have to overflow the field?
- kchoudhu 9y agoAh, bumping. The kids on flyertalk were all over this.
- sillysaurus3 9y agoYou seem to be surprised. Ever work at a bank or gargantuan investment company? Same deal. "Look at how incompetent they are" is more like "Look at how our industry is." They're a representative sample.