30 days past since inquiries, no answer
Date: Mon, 01/03/2011 - 11:53
Those inquiries where never authorized by me, also it has been more than the 30 days allowed by law for the lenders to reply.
Where can I find a sample letter that I can send them indicating that they are past the 30 day deadline and that now by law they have to remove these inquiries.
Take a look at this sample letter in order to negotiate with you
Take a look at this sample letter in order to negotiate with your creditors to remove the inquiries:
http://www.debtconsolidationcare.com/letters/sample14.html
Hi! Welcome to the forums! Use the above letter and request the
Hi!
Welcome to the forums!
Use the above letter and request the creditors to remove the unauthorized inquiries from your credit report. You can also attach the relevant documents with your letter.
Did you apply for some credit cards in the recent past? Each ti
Did you apply for some credit cards in the recent past?
Each time you apply for cards, your creditor runs a credit check. Your file gets marked by an inquiry right then. Remember, even if it's an offer that reached you by mail, your CR gets checked once you respond to it.
Quote:
I went ahead and disputed it with Equifax and they told me that they were legit. |
It's better you get rid of such inquiries before they take a bad hit on your credit report. These inquiries tend to prove that you're going through a financial hardship.
It leaves an impression on your creditor's mind as if you had re
It leaves an impression on your creditor's mind as if you had received an equal number of credit lines as the number of inquiries showing in your report. They might even start believing that many of your credit lines haven't been published in your credit report as yet. At this time they'd start wondering if your debt-to-income ratio is even higher than what you had mentioned.
Were the inquiries made by banks you have an existing relationsh
Were the inquiries made by banks you have an existing relationship with?
Were the inquires what are considered "soft pulls" where they are looking for people to extend credit offers to?
Do they appear as "hard pulls" that are done when you apply for credit?
If they are from banks you have a relationship with, they do review your credit reports periodically. This does not impact you.
If they are soft pulls, they do not have an effect on your report or score.
If they are hard pulls that typically appear when your applying for credit, but you did not apply for credit, and you have already disputed - you can send in a second letter with a request for reinvestigation asking for detail of how they initially investigated, who with, what was provided as substantiation of legitimacy etc... demanding again the removal.
Have you been denied credit in the last several months?
Have any unauthorized inquiries caused you a damage in any way?
There are some experienced FCRA attorneys sprinkled about the country. If you have a legitimate dispute that is being ignored and are being harmed where you have been denied loan products, rental approval etc... you may want to discuss your situation with one.
