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I keep seeing references to requesting that companies remove credit report inquiries.
As I understand it, the criteria to request the removal of an inquiry is that the consumer didn't authorize the inquiry
- Is this correct?

How does one determine if they have "authorized" in inquiry?
I would assume that applying for a loan or credit card would be a case of "authorizing an inquiry"...

If a debt collector makes an inquiry, in the course of their collection attempts, is this inquiry "authorized" by some mechanism, (by virtue of having acquired the debt from an account you once requested, knowing that there would be in inquiry - or is this the type of inquiry to request removal of the inquiry due to the fact that the company originally authorized to make an inquiry no longer holds the debt?

As always, any insights or experience stories or advice will be greatly appreciated...

THANKS - notyour

Posted: Tue Aug 05, 2008 1:10 am Subject:

Please go through the letter below to remove enquiry from your CR: -

Posted: Tue Aug 05, 2008 7:47 am Subject:

I disputed several unauthorized credit inquiries and they were ALL removed from my reports ... not ONE company that I disputed responded to the credit reporting agencies investigation.

I'm going to take another look at my reports as I only disputed the ones that I clearly remembered not authorizing.

One question I have is I had gone car shopping last month, and gave one place authorization to check my credit. Looked around, test drove, and decided NOT to buy there until they could give me some FIRM numbers. They said their financing guy was out and they would get back to me. I called a week later, still nothing, so I told them not to bother and I went somewhere else and bought there.

I ran my credit reports a couple of weeks ago and the first place ran my credit on the day that I called for the second time. Could I dispute that as I told them not to bother as a week had gone by?

Posted: Wed Aug 06, 2008 1:15 pm Subject:

If the inquiries reporting on your credit report were not authorised by you the chances of being removed are really big. To my understandig after I spoke to a credit counselor, if they can't prove the inquirie with your signature on it, there is a good chance that it will be removed. Does anybody else know something different? A good letter like the one obove will work for inquirie removal.

Thanks, Phoenix, for the great letter.
I have altered it a bit to "personalize" it and have my version on file, ready for use.

Now I just need to start weeding out who should receive one.
(I'm in a rather complex situation, and don't want to go poking sticks where it would be in my best interest NOT to...)

Don't know if it's true - perhaps someone else can confirm or discredit the statement - I read that "Every inquiry you get removed raises your credit score 5 points".

-notyour

smo65d11 - Thanks for sharing your experience in this area...

It's always reassuring and inspiring to know that someone has SUCCEEDED in their credit improvement and debt reduction efforts.

As for your question - I know what SEEMS RIGHT, but that apparently has very little to do with what's ALLOWED...sigh...

Hopefully someone with some real experience or knowledge will answer that one for us....

-notyour

Posted: Thu Aug 07, 2008 4:57 am Subject:

You can go through many more such sample letters from http://www.debtconsolidationcare.com/books/sampleletter.pdf

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