Dispute or Nah?

[Anonymous]

Hi... right now I'm keeping my head down and working hard towards my goal of no longer being a credit scumbag.  Question though, I received a notice that I had a credit inquiry from one of my revolving cards--and then a 7 pt drop.  The only thing I've done regarding this card is pay more than the monthly minimum due.  When I went to Equifax to dispute this, I was asked to provide a10-digit number in order to find my file.  Where on earth is this number?  Is it normal for a fluctuation such as this or should I dispute?

[TheGardner]

That's the credit report number from the report you are referencing.  

Contact the creditor that made the HP, ask why they did it and ask to remove.

[gdale6]

---

@TheGardner wrote:

That's the credit report number from the report you are referencing.  

Contact the creditor that made the HP, ask why they did it and ask to remove.

---

yup, the only shot you have at getting it removed is to ask the creditor. If you are referring to a sp you dont need to do anything as those inqs are never seen by anyone but you.

[Anonymous]

You also don't need the 10 digit number to file a dispute .  You just ask to do it through personal information.  That said, a dispute won't do any good and as said you need to contact the creditor.

[RobertEG]

I recommend that you do not file a dispute.

If they are an existing creditor, the inquiry clearly had permisible purpose, and will NOT be removed by the CRA.

The issue is that it should have been coded as a soft inquiry.

I would make an informal call, notify the creditor of the problem,and have them recode the inquiry as an internal account review.