10-29-2009 01:14 PM - edited 10-29-2009 02:05 PM
10-29-2009 02:04 PM
Ditto to scrubs.
Legality aside, disputing the inquiries as "not mine" could result in a fraud alert being placed on your CR. You may want to pull to make sure. Also, the dispute always goes back to the CCC. Some have been known to close and even delete the TL off your CR. I'm not saying that happened to you, but has happened to many.
10-29-2009 02:08 PM
how can i remove a inquiry from transunion or exprianMessage Edited by Achase on 10-29-2009 02:03 PMMessage Edited by Achase on 10-29-2009 02:05 PM
Are these inquiries valid like the EQ inquiries? If so, same answer.
10-29-2009 02:33 PM
10-29-2009 02:44 PM
well some of them are not customer generated. but i was not aware that it is a crime to deny it if it is yours. because i have disputed collection account and charge offs after i paid them and they were removed and it was the creditor that i owed the money to that told me to dispute it since i paid them.. did they give me wrong information?
Per inquiries. if not initiated by you, then you may have an ID theft issue to deal with. If there's an Amex inquiry reporting and you know you never app'd for Amex, then a FA isn't a bad thing. However, it is common to get hit with a new inquiry if you request a CLI or new account. Plus, you may get hit with inquiries when opening many banking products. Certainly something to follow.
Collection items, like from a CAs or OC COs, are supposed to report after payment. Paying them won't delete them. What Steps Do I Take is a great link on removing old debts legitimately. They shouldn't have told you to dispute it. However there are times that accounts report inaccurately that disputing is a legit means to correct it.
10-29-2009 03:24 PM
11-01-2009 01:46 AM
We also cannot advocate or advise you here regarding the dispute of correct CBR information other than tell you not to do it. Advising dispute of correct information is a taboo subject.
That said, however, some creditors do explicitly tell you that while their policy prohibits them from deleting an inquiry or trade line, they will not verify it if the CRA asks them upon a customer-initiated dispute.
Many departments of social services do this when you pay your child support arrears.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.