General Credit Topics

[thankfulheart]

One of my creditors mistakenly places 2 hard INQs on TU last year and agreed to remove them. They faxed TU in early May and still they sat, so I sent an email along with the copies of the letter the company had faxed in mid-May. Still they sit.  I have 6 INQ on TU and this would drop it to 4 if I can get it done before I app for a mortgage.  Another company put a hard INQ on EQ that was not my request, although they swear they didn't.  I sent them a copy of the CRA where it shows and asked them to remove it, but it's still there.

How long should I give these to come off?

[RobertEG]

What was the actual purpose of their inquiry?

Some inquiries are clearly defined as not being reported for view by others in your CR, such as your own pulls, promotional pulls, and internal account reviews, but others are not.

How much time you "can give them" to correct depends on whether you have basis for showing a clear inaccurcy, rather than a promise to code somthing normally qualiied as a hard inquiry as a soft pull.

[thankfulheart]

they were all internal reviews and should have been coded as softs. Creditor 1 sent faxes and me copies of the letters asking the CRA to remove. Creditor 2 seems clueless about what they do, hence the letter I sent them with the proof of their mistake.