Posted by William Charles on January 12, 2015
Credit Scores

Published on January 12th, 2015 | by William Charles

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An Introduction To B* (Bumpage) & C* (Choppage)

Update: Unfortunately it seems that bumpage is no longer possible, apart from in a few specific instances (e.g Texas). I’m keeping this page up, but it might not be very helpful anymore.

You may have seen the terms: bumpage & choppage used before or maybe their acronyms (B* & C*).

  • Bumpage is the process of “bumping” hard credit pulls off your credit report.
  • Choppage is when you have the soft credit inquiries “chopped” (e.g removed) from your credit report before you can bump any hard inquiries from your report.
  • Splittage is when your credit report is “split” in half, giving you two reports in your name. It’s not possible to tell which data will be on which report or which report a lender will access. Often times people will just call splittage choppage as well, which can be a bit confusing.

Bumpage is possible because consumer reporting agencies (CRA) only give each individuals credit report a certain amount of space to record data. The amount of space given varies from CRA to CRA, but when somebody hits this cap the CRA will remove old data to make way for the new data. This means it’s possible to replace a hard pull (or hard pulls) with a number of soft pulls.

In general data falls off in a FIFO pattern (first in, first out), but not all inquiries will drop off. For example, important inquiries (mortgage loans & insurance inquiries) are coded to stay on for the full two years (although in some cases these do fall off as well).

If you’ve ever been declined for too many recent inquiries on your credit report, you can see why it would be advantageous to bump hard pulls off your credit report. Having hard pulls on your report also causes a decrease in your credit score (these hard pulls stay on your report for a maximum of two years and affect your FICO score for the first year).

Obviously bumping hard pulls off your report with more hard pulls isn’t very useful as you’ll still have a lot of hard pulls on your report. When people talk about bumpage they are talking about using soft credit pulls to bump hard pulls off. Soft pulls do not affect your credit score and should not affect any lending decision.

Contents

Rules

The amount of soft pulls you need will vary based on which credit bureau you’re talking about, here are the rules for each:

  • Equifax. requires 85 pulls to bump
  • Experian. It’s not possible to bump with Experian.
  • TransUnion. requires 66 pulls to bump

Other Negatives

  • Old accounts that are no longer reporting could be bumped from your credit report. This is especially bad news if this is your oldest account on file.

What Doesn’t Work?

  • All of Equifax’s products no longer work

What Works?

You’ll need a password to access this part of the post, this password has been sent out to our newsletter subscribers. Make sure you check your spam folder (and mark it “not spam”) if you can’t find it. If you’re not a subscriber, sign up now and you’ll also get access to the password in the welcome e-mail.

This post is password protected, you must join our newsletter to receive the password. It can be found in the welcome e-mail if you’re a new subscriber – you’ll receive a separate e-mail if you’re an existing subscriber


Final Thoughts

I’ve bumped before and know a lot of people that still bump. I personally do not feel like the benefits are worth it for the time involved to stay on top of what does and doesn’t work. If I was going to apply for a mortgage or other large loan in the short time then I’d definitely think differently, I’m also at the stage where I’ve applied and received the sign up bonus for the majority of the “good” credit cards out there and have a fairly robust credit report with a high FICO score.

If you’re going to do this, it’s important you understand the risks involved and read up thoroughly on what does and doesn’t work. If you’d like to learn more about bumpage, I’d recommend looking for dedicated threads in any private forums you participate in. Alternatively the best public resource by far is Credit Boards, make sure you read up before asking basic questions (in particular this master thread). People there are happy to help as long as you’ve made an attempt to educate yourself first (and also have done a search for the answer).

Thanks to Andy for suggesting this topic for me to cover. He has won a $5 Amazon gift card for his troubles, you can make suggestions on blog posts or tools you wish existed but don’t here. If we use your idea, you’ll also get a $5 Amazon gift card.



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Mike
Mike

Do recurring credit score reports from sites like creditkarma, creditsesame, credit.com, lendingtree, et al, have the effect you describe?

James B.
James B.

Good analysis…

The most common reasons for CC app declines:

1) Too many recent credit inquiries (hard pulls)

2) Age of average CC account

Ny
Ny

Great post! I’d never heard of the terms before.

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[…] An Introduction To B* (Bumpage) & C* (Choppage)  –  Doctor of Credit    On a roll, very helpful information! […]

mommafrica
mommafrica

Barclaycard gives you your score via FICO

Jonathan
Jonathan

I could be mistaking this blog for another, but i generally dislike subscribing for newsletters because then I get the same thing in my inbox that I get in my blog feed. I like keeping blog entries and email separate.

Bob
Bob

I bumped last year at this time and got rid of many TU pulls. Just last week upon logging into creditkarma I see that 11 pulls got added back to my report in the last week. Since I haven’t applied for anything in the last 2 1/2 months, I assume these are the TU pulls that got bumped last year going back on after the soft pulls I did came off. I am not sure this is what happened but I can’t think of anything else since when I look at all the inquiries they are all valid. It is just 11 of them weren’t there the previous week.

Needless to say, this was a big hit to my TU score, dropping it from 790 to 720. I wasn’t planning on ever bumping again but now I feel like I have to to get my TU pulls down (I show 21 now). I never read the Credit Boards master thread before starting last year, only an article that Kendra from Points and Pixie Dust ran.

I am curious if this is indeed what happened.

Anthony Mitchell
Anthony Mitchell

I’m a subscriber however I can’t find this password..could it be re-sent?

dchicago1985
dchicago1985

Poster bob this in response to your post. Last year I had a lot of TU inquiries, 18. Well i was really into pulling my credit reports from transunion.com, equifax.com, amex credit secure 3 bureau reports, credisesame myfico.com etc. well one day around Sept 2014, my Tu report has 6 inquiries on it over night I had noticed that after pulling from TU.com daily, the inquiries would slowly come off, a few here and there and then may 1 or 2 reappear. ! I applied for 7 cards all approved with a FICO of 680. Around January 2015 I had all my cards, and stopped pulling daily from tu.com and canceled my subscription.

A collection dropped off my TU report early. fico skyrocketed to 748. I had gained 12 inquiries to my TU FICO and got 5 more credit cards. 3 weeks ago, credit karma sent me an email saying 21 inquiries posted to TU report. I pulled a new fido TU score and boom I had 32 TU inquiries and my fido dropped to 714. Needless to say, i am back on tu.com and daily pulling and have already lost 6 inquiries.

dchicago1985
dchicago1985

sorry for the typos, apple auto-correct gets me sometimes.

Dave
Dave

Any tips for Experian bumpage?

Nate
Nate

From what I read B* is dead other than in a special state

Bob
Bob

I went to the creditboards.com forums where you? have posted. Difficult to decipher to say the least. What I can attest to is the fact that I have had well over 66 pulls since the last C* and no TU inquiries have dropped off. Is B* dead? Can you give us a link to a forum post which is halfway decipherable?

maxwell myson
maxwell myson

Does bumpage still work EQ?

GIOVANNI AUSTIN
GIOVANNI AUSTIN

CAN YOU SEND THE PASSWORD SO I CAN VIEW THE BUMPAGE FOR EQUIFAX. I LIVE IN TEXAS.
giovanni.m.austin@gmail.com

Jerry
Jerry

password is (removed, please don’t publicly post the password)

Donnell Phillips
Donnell Phillips

Can you (or anyone) send me the password to assist me in removing these hard inquires off of my report. My FICO has dropped 115+ points from them!!!!

Thank you for any help

Naveen
Naveen

Can Any One Send Me The Password To Access This post…

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