CA inquiry remains for 2 years?

Hi arb,

Well that depends. You can certainly dispute it, the worst that can happen is they will say no (dispute it with Transunion).

chrys

Interesting...in reviewing my Experian report I found this wording under the Inquires Shared With Others section:

"The section listed below lists all of the companies that have reviewed your credit history as a result of action you took, such as applying for credit or financing or as a result of a collection."

I've disputed with the inquirer as well as the credit bureau...I've had success in about 70% of my disputes.

I suppose since all the other negative info is going to be there for 7 years or so these inquiries being there for 2 years really doesn't matter.

But strange to me that an inquiry from a CA shows up where it does by design. Guess it's another way to ding you a little bit more...

CA's would have permissable purpose to make a hard inquiry on your reports. The hard inquiry will show for 2 years but will only have a negligible impact after 1 year.

Nascar,
How long, how many times, how often can CA's continue to have permissable purpose to make hard inquiries on your reports?

It's not quantified anywhere that I 've been able to find but I would say that more than 1 in a 2 year period would be deliberate credit poisoning.

We run bureaus on our skips every 2-3 months. Not deliberate credit poisoning - rather us trying to find new information that can help us find the person's whereabouts.

Now if a debtor is intentionally trying to fly under the radar, more power to you. Nothing out of line with multiple inquiries in an attempt to locate a debtor that doesn't want to be found.

Nascar this is entirely off topic but your Sig makes me think you are stalking me.