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Is there anyway to online dispute inquiries?
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Jack_Sparrow
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Jack_Sparrow

Message 1 of 26

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I have quite a few inquiries that need disputing on each of my reports, especially Transunion. Transunion currently has 19 for me. About half of them need to go. When I go to the online dispute for TU and EX they will only let me dispute accounts and a few other things. Is there any way to do this online? I hate writing through mail and phone I don't feel like the information can be presented as clearly.
06-02-2007 10:47 AM
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Re: Is there anyway to online dispute inquiries?
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Moderator Tuscani
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Tuscani

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You usually have write or call. Are these valid Inqs?

 

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CREDIT SCORING 101  -   FREQ REQ THREADS  -  GW  -  PFD  -  RECONN
06-02-2007 10:58 AM
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Re: Is there anyway to online dispute inquiries?
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Jack_Sparrow
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Jack_Sparrow

Message 3 of 26

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When I applied for a car loan at my dealership there were 5 inquiries on the same day through other banks. When I only did one at the dealer. I want that condensed into one.
 
First USA also keeps hard inquiring on me and I've never applied for anything from them.
06-02-2007 02:17 PM
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Re: Is there anyway to online dispute inquiries?
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Moderator Tuscani
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Tuscani

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All but the First USA have valid PP.

 

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CREDIT SCORING 101  -   FREQ REQ THREADS  -  GW  -  PFD  -  RECONN
06-02-2007 03:53 PM
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Re: Is there anyway to online dispute inquiries?
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Jack_Sparrow
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Jack_Sparrow

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What's PP?
06-02-2007 08:09 PM
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Re: Is there anyway to online dispute inquiries?
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masdeocho
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masdeocho

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Permissible purpose.  It's the legal way of saying they are allowed to pull your credit report. 

 

-----------------
Bartender, bring another round of FICOtinis please!

3/13/2009: EX 822 TU 796 EQ 793
06-02-2007 08:27 PM
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Re: Is there anyway to online dispute inquiries?
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Jack_Sparrow
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Jack_Sparrow

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But I thought for an auto loan, inquiries were supposed to be grouped into one.
06-02-2007 10:09 PM
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Re: Is there anyway to online dispute inquiries?
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masdeocho
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masdeocho

Message 8 of 26

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Jack_Sparrow wrote:
But I thought for an auto loan, inquiries were supposed to be grouped into one.

All of them will be listed individually on your report, but are counted as one when your FICO score is calculated (provided they are within a 14-day window).

 

-----------------
Bartender, bring another round of FICOtinis please!

3/13/2009: EX 822 TU 796 EQ 793
06-03-2007 08:17 AM
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Jack_Sparrow
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Jack_Sparrow

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Does anyone know if First USA part of a bigger company?
06-03-2007 05:55 PM
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Re: Is there anyway to online dispute inquiries?
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Moderator Tuscani
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Tuscani

Message 10 of 26

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First USA is Chase.

 

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CREDIT SCORING 101  -   FREQ REQ THREADS  -  GW  -  PFD  -  RECONN
06-03-2007 07:16 PM
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Re: Is there anyway to online dispute inquiries?
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Jack_Sparrow
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Jack_Sparrow

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That's what I figured. Because I did apply for Chase freedom. Could not resist $250 bonus and 3% back for all my fast food :smileywink:
 
Is there anyway for sure that I could find out if those 5 inquiries counted as one? Because on my credit report it doesn't seem that way.
06-04-2007 07:55 AM
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Re: Is there anyway to online dispute inquiries?
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javi84
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javi84

Message 12 of 26

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Just call them, I had to call to dispute one and the whole conversation lasted no more than 2 minutes. They gave me a case number and in a few days I got a letter in the mail saying that the inquiry was being deleted.
 

For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin
06-04-2007 09:17 AM
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Re: Is there anyway to online dispute inquiries?   [ Edited ]
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ilovepizza
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ilovepizza

Message 13 of 26

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Bank ONE is owned by First USA. First USA is owned by Chase. Oops, didn't see page 2 had this info already.

Message Edited by ilovepizza on 06-04-2007 09:24 AM
 

If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
06-04-2007 09:22 AM
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Re: Is there anyway to online dispute inquiries?
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Moderator Tuscani
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Tuscani

Message 14 of 26

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Don't confuse Auto\Mort Inqs will CCs. Unlike Auto\Mort you are being dinged for each of those five Inqs. Call and see if Chase will remove the other four.  

 

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CREDIT SCORING 101  -   FREQ REQ THREADS  -  GW  -  PFD  -  RECONN
06-04-2007 01:21 PM
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Re: Is there anyway to online dispute inquiries?
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Jack_Sparrow
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Jack_Sparrow

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Here let me post all my TU inquiries
 
First USA 09-15-05 - Possibly Bank One student card
HSBC NV 10-01-05 - Orchard Bank Secured
First USA 10-03-05 - ?
First USA 03-20-06 - ?
Mazda Credit 06-26-06 - Getting an idea if I could get credit for my car
Mazda Credit 07-09-06 - I think I messed up here and applied twice
CITI 07-18-06 - Dividend card
Ohio ED-Loan 08-14-06 - Trying for auto loan through credit union
E-Loan 09-26-06 - Again, auto loan
Taleris CU 09-26-06 - Eww, auto loan
Credco IMS 09-30-06 - Don't know, probably auto loan
Taleris CU 10-06-06 - Don't know why they have two, two weeks apart. The only thing I could think of is would they do one when I apply for membership and one for trying for auto loan?
Mazda Credit, Westfargo Bank, Chase, 5/3 Bank, US Bank all on 10-18-06 - Big day at the car dealership. Good news though. After only one year of credit history, I was able to nail a loan at 6.49% with no co-signer.
First USA 11-15-06 - ?
First USA 03-15-07 - Chase Freedom?
 
 
I know most of them are my fault. But the seeds are now planted for me. I got some good CCs (some not even on here) and an auto loan. My EQ and EX only had like 8 and 9 inquiries within two years so I'm not concerned about those.
 
How can I find out what all these First USA were from?
 
Anything else I should know? Dispute?
06-04-2007 06:12 PM
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ilovepizza
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ilovepizza

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Under each inq their should be a phone number in most cases. Call them. Ask. They keep records of that stuff. If the bank does not have a record and you do not know why it was there ask the bank to remove it.
 

If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
06-04-2007 07:06 PM
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Jack_Sparrow
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Jack_Sparrow

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Yea, all the banks have contact info except for First USA. Something seems fishy to me.
06-04-2007 07:39 PM
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3rd325
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3rd325

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As an underwriter at JPMorgan, the parent company to the company the owns FUSA, I doubt they just do hard inquires into your credit (they do not need to, if you have accounts w/them your credit file is open for them to reveiw. Even if you don't have accounts they can still purchase it.). If you have accounts with FUSA and have requested lower rates or higher credit limits or other such things then you have infact been consenting to inquires. If you do not have accounts then perhaps you have applied for credti somewhere that is owned by FUSA or with someone who "priced" you out to them. From my experience most people worry way too much about inquires, which have little effect unless taken to the extreme, when they should be worrieing about other things that have far more impact on their credit.
06-05-2007 09:51 PM
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3rd325
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3rd325

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"Bank ONE is owned by First USA. First USA is owned by Chase. Oops, didn't see page 2 had this info already."
 
This is not quite true. Rather FUSA was bought by BankOne which was previously ValleyNational. Chase merged w/BankOne about 1.5yrs ago, Chase is part of JPMorgan and Chase Manhatten. There are MANY more smaller banks included but those are the big ones. Basically they are all JPMorgan Chase.
06-05-2007 09:55 PM
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peachygirl
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peachygirl

Message 20 of 26

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My husband's credit report has about 8 inquiries from First Bank USA or (whatever it's called) on his reports all within a years time. If this is true that they are from Chase bank I suppose it would make sense because we have some accounts with them. But the question I have is if we were inquiring for credit limit increases  on our current accounts to improve our credit scores (as suggested by Suze Orman) then shouldn't these be soft inquiries since we already have the accounts with them??
09-27-2008 03:08 PM
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Moderator haulingthescoreup
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haulingthescoreup

Message 21 of 26

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Hi, welcome to the forums!

I wish they were, but Chase in infamous for pulling hard inqs for CLI's. :smileymad:

Different banks do this different ways: Chase does, Bank of America usually doesn't, American Express usually doesn't, Citi goes either way, etc.
 

---------------------------
Please be friendly, supportive and respectful --and leave your high horse at the door!

Neither a borrower nor a lender be. --Wm. Shakespeare

Credit is a wonderful servant, but a terrible master. Who's the boss --you or your credit?

9/9/2009: EQ 769 - TU 765 - EX ???
Done credit hunting; having fun with credit gardening.

FICO High Achievers - Credit Scoring 101 - myFICO PDF Booklet - Closing Credit Cards - Frequently Requested Threads - Helpful Threads
FTC website: Knee Deep in Debt - FICO Score Estimator

09-27-2008 03:45 PM
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Re: Is there anyway to online dispute inquiries?
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wayne6372
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wayne6372

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Yes there is with Equifax. But with transunion they will blow you off with stall tactics, and with experian they will want you to place a fraud alert on your file. Equifax will allow you to dispute the inquiry by giving you 2 options.One being unauthorized and 2nd fraudulent. On April 16, 2009 I disputed 11 inquiries as un authorized and on April 18, 2009 11 inquiries were deleted to my surprise. I have gone on to dispute others today 04/18/09 hopefully getting the same great results. To my knowledge it is our right to dispute any negative information in our reports and must be investigated or deleted. My next step is to file a suit in my small claims court with transunion and experian. Each claim is worth a $ 1000.00. I will only do this after a second attempt by certified mail to the bureas.Hopefully they will be disputed as request by me and in accordance with the FCRA.
04-18-2009 01:13 PM
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Moderator llecs
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llecs

Message 23 of 26

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wayne6372 wrote:
To my knowledge it is our right to dispute any negative information in our reports and must be investigated or deleted.

It is your right to dispute any negative inaccurate information in your reports....If these inquiries are yours, and you know it, it is unethical and illegal to dispute these inquiries.

 

Disputing inquiries are a fast means to a FA and/or deleted, associated TLs. If these aren't your inquiries, then you'd want the FA placed. You would also want to file a police report for ID theft, contact the FTC and file with them, and eventually use the police report to dispute the inquiries and any associated TLs.
04-18-2009 02:01 PM
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wayne6372
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wayne6372

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I know for a fact some of these inquiries were not autorized but they are also old inquiries from time . Transunion nor experian will dispute these inquiries as i have asked> i have also sent letters o the creditors, but no response well over 30 days. capital one was very complient gave them my info and the research showed no records on there files.They are now sending letters to the bureas as well as me to remove these 2 inquiries.Direct tv shows a autorized inquiry and keeps giving me the number to equifax, when this inquiry shows on my experian report.Will having some of these inquiries removed from my reports help my scores go up soon.? also had a judgement remove from 2 agencies and a collection account remove from the big 3. Will this help as well?

 
04-18-2009 02:16 PM
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Re: Is there anyway to online dispute inquiries?
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Moderator haulingthescoreup
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haulingthescoreup

Message 25 of 26

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Hi, wayne, you have revived an old thread and taken it in a different direction. Now that you have an actual question about negative info on your own reports, can you copy/paste your post onto a new thread over on Rebuilding Your Credit?

Just move over to the Rebuilding Forums, click "New Message" on the left toward the top, and paste your message there. Create a new title for what you're actually trying to do. You're probably going to find more help over there from members familiar with what you're going through.
 

---------------------------
Please be friendly, supportive and respectful --and leave your high horse at the door!

Neither a borrower nor a lender be. --Wm. Shakespeare

Credit is a wonderful servant, but a terrible master. Who's the boss --you or your credit?

9/9/2009: EQ 769 - TU 765 - EX ???
Done credit hunting; having fun with credit gardening.

FICO High Achievers - Credit Scoring 101 - myFICO PDF Booklet - Closing Credit Cards - Frequently Requested Threads - Helpful Threads
FTC website: Knee Deep in Debt - FICO Score Estimator

04-18-2009 02:21 PM
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Re: Is there anyway to online dispute inquiries?
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wayne6372
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wayne6372

Message 26 of 26

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Yes with equifax, you can now dispute inquiries on line at there site. transunion and experian I have no sucess from them .
04-18-2009 02:39 PM
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