How To Get Rid Of Inqs?
Anyone have any ideas on how to get rid of all of the inqs on my credit report? Only authorized twice but have over 10 per bureau (broker runs it without asking, shops the loan, potential lendors run it, whichever lendor sells it and it gets ran again, etc). I did not authorize half of these inqs
JohnCl
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Experian won't delete, TU and EQ are more cooperative. Try calling. Also, there is a technique called "bumpage" where you join privacyguard or another service and pull your own reports a lot. After 3 months or more of daily soft pulls, the softs begin to displace the hards. Check www.Creditboards.com ... its name is not spoken aloud much anymore there in order not to cue in the CRAs ... often it's referred to as "nothing" or "B*"
this is a sample letter that i used to remove the inquiries on my report with chexsystems:
Lamont Adair
14 Austin Ave
Somerset, NJ 08873
ChexSystems
7805 Hudson Rd
Suite 100
Woodbury, MN 55125
Dear Consumer Relations;
I have recieved a copy of my consumer report and I noticed incorrect information contained under the Consumer Action Inquiry section. I would like to dispute the following inquieres. Due to the fact that I have no prior knowledge of applying for a bank account at any of the following institutions. I have listed the information below;
National City Bank 10/24/2002
Keybank National Association 03/27/2002
Keybank National Association 04/23/2002
PNC Bank 03/03/2003
National City Bank 05/31/2002
Netbank 05/31/2002
Netbank 05/30/2002
Washington Mutual Bank 02/25/2004
U.S. Bank Ohio N.A. 06/26/2004
The Huntington National Bank 07/15/2004
The Huntington National Bank 07/15/2004
Credit Union of Ohio 07/15/2004
Fleet National Bank 02/24/2003
The following inquiries were never initiated by myself and I again have no prior knowledge of ever applying for a bank account at any of the following institutions. Therefore, I'm requesting that following information be removed promptly from my consumer report.
Sincerly,
Lamont Adair
:-D