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Posted: Mon Nov 19, 2007 2:46 pm Subject: Removing Unauthorized Inquires

How do I remove unauthorized inquiries on my credit report?

Can I request that other inquires be removed?

Posted: Mon Nov 19, 2007 3:00 pm Subject:

Write to the Credit Reporting Agency and contest them. If someone checks you credit without you knowledge it is not necessary for them to be authorized in many cases. Employers are required to tell you they run credit checks but your bank can run one at any time to see if they want to increase or take away from your credit line.

Posted: Mon Nov 19, 2007 3:02 pm Subject:

What about CA's? Can they run your credit? I have a couple from NCO...

Posted: Mon Nov 19, 2007 3:03 pm Subject:

Yes CA's can and do run ur credit reports.
Ang

Posted: Mon Nov 19, 2007 3:09 pm Subject:

I see... So is it even worth trying to have inquires removed?

Posted: Mon Nov 19, 2007 3:11 pm Subject:

Get a third party pulling service and pull your credit every day.After you have generated enough softs your hards on transunion and equifax go poof!Experian you will have to live with.

Posted: Mon Nov 19, 2007 3:12 pm Subject:

Really? That is interesting... They all disappear?

Posted: Mon Nov 19, 2007 3:17 pm Subject:

Yep tu and eq seem to have limited file space so they get bumped off. I have added 10 accounts in the last year and my tu & eq sit at zero hards due to this.

Posted: Mon Nov 19, 2007 3:25 pm Subject:

Wow... Very cool. Thanks for that.

Is it worth the effort to try and have inquires removed from Experian?

Posted: Tue Nov 20, 2007 5:01 am Subject:

Experian usually will ignore an inquiry dispute,but you can insert a fraud alert in your report and try to dispute them with their fraud dept.

Posted: Tue Nov 20, 2007 11:32 am Subject:

I have several "soft inquires" that I have done the past year and still Transunion and Equifax still show "hard Inquires". How many times did you have to pull your credit?

Posted: Tue Nov 20, 2007 11:37 am Subject:

I have a thick aged file and it took about seven weeks of daily pulling for Transunion & about nine weeks of daily pulling for Equifax.

Posted: Tue Nov 20, 2007 11:40 am Subject:

Ok... I maybe have 15 total pulls.. I will keep pulling for awhile. Thanks!!!

If I send a dispute letter to the CRA's how long do they have to respond/investiage? 30dys?