@pip3man wrote:OP I'm a firm believer of calling in and asking for an early deletion. If u get a good rep, they'll help u out. I never knew it was possible till it happened to me with EQUIFAX. I went from 18 to 2 inquiries from a phone call. So give it a try and btw EQ seems very easy for me. I tried with TU & EX but it was a no go...
1) Did you claim the inq weren't legit, why would they removed legit inq?
2) Does the lender have to agree or is it done outside of their reach/input?
@Anonymous wrote:
@pip3man wrote:OP I'm a firm believer of calling in and asking for an early deletion. If u get a good rep, they'll help u out. I never knew it was possible till it happened to me with EQUIFAX. I went from 18 to 2 inquiries from a phone call. So give it a try and btw EQ seems very easy for me. I tried with TU & EX but it was a no go...
1) Did you claim the inq weren't legit, why would they removed legit inq?
2) Does the lender have to agree or is it done outside of their reach/input?
As far as I know inquiries arent something one can really dispute cos it's a factual record. And I think the bureaus have the ability to remove them without the involvement of the lender. My situation was very odd... I had called EQ for some unrelated issue and in the process I asked about the inquiries that were scheduled to fall off soon. The very nice lady I got said she "would be happy to take care of them." Jokingly I told her to take care of everything and then she laughed, places me on hold and returns 2mins later with a confirmation #. At first I thought it was all BS but few days later, I got the dispute completed notification email. I went in, checked and it was all gone. At first the Macys inquiry of 05/06 was still there but I've also noticed it somehow disappeared along with the rest and I'm not complaining. Maybe that particular lady was a new employee who didn't know how it works or EQ may have changed/relaxed their policy regarding early deletion of inquiries or the rep was just a SUPER NICE person that was very willing to help. These are the only possible explanations I could think of.
I'm def not going to dispute, I spend a lot of time in the fall preparing for my mortgage getting disputes removed from my report. I'm just going to make it clear that I would like the inquiries removed if possible, and not disputed. Weird thing is, when I was trying to get my disputes removed from my Experian and Equifax reports, they actually ended up deleting the collections accounts all together. Not that I'm complaining!
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@mrcrisp023 wrote:I'm def not going to dispute, I spend a lot of time in the fall preparing for my mortgage getting disputes removed from my report. I'm just going to make it clear that I would like the inquiries removed if possible, and not disputed. Weird thing is, when I was trying to get my disputes removed from my Experian and Equifax reports, they actually ended up deleting the collections accounts all together. Not that I'm complaining!
1. Congrats on the house.
2. How do you get disputes removed from your CR?
Go a few posts down to ShaneTheMortgageMan. He explains it in detail and it worked for me on every one of them.
@mrcrisp023 wrote:
Go a few posts down to ShaneTheMortgageMan. He explains it in detail and it worked for me on every one of them.
Thank you! What if the dispute was done years/months ago or has been resolved/closed, can I still end it and have the comment removed?