Removing Unauthorized Inquires

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.

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

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

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

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.

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

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.

Wow... Very cool. Thanks for that.

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

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.

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?

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.

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?

30 days for a paid report and 45 if you use a free report.

Ok.. Interesting that there is a difference in investigation time if it is free or paid for. Thanks.

Yes the facta amendment in 2003 gave them that.Personally I don't think that was fair but oh well!

Yeah, sounds stupid to me too... I mean, why the heck does it matter if it was free or not??!?