I have none of those 3 apps in msg 1 above, but if they're like all the other 3d apps
(poser, carrara, cheetah et al.), they've got shader trees in which one of the channels
is displacement, into which one attaches a jpeg greyscale image.  white is a bump,
black is a dent (YMMV).  just paint it as if it were a texture map, using UV template
generated by one of yer apps (or uvmapper).  do not use poser bump channel.