Bumpage is the practice of doing soft credit inquiries so often that the hard inquiries start falling off your credit report. When the hard inquiries start falling off the report, your score will increase because the number of inquiries that matter, the hard ones, will have decreased.

How this can be accomplished is by subscribing to daily credit history reports that will ping the credit unions for your report every single day. Eventually the soft inquiries push off the hard ones. This apparently only works with TransUnion and Equifax reports.

According to some experts, each hard inquiry will decrease your credit score by around 7 points for approximately six month. After six months they cost you less, after a year they apparently cost you nothing. A hard inquiry will naturally go away after two years.