Having credit inquiries removed

[kade6767]

 After having been a victim of identity theft, I placed a fraud alert on all three credit bureaus but still have inquiries I did not authorize.

I just would like to know if it's just easiest to write letters to all the creditors who have placed the inquiries or there is an easier way?

[Anonymous]

Did you file a police report? This might really help as well.

[gdale6]

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect...

[RobertEG]

Initial and extended fraud alerts, described under FCRA 605A., place an alert in your file that requires creditors to contact you prior to granting new credit, increasing existing credit, or providing an additional card.  They do not block a party who has permissible purpose from obtaining your credit report (other than promotional inquiries for credti you did not request, as fraud alerts also provide for automatic opt-out of the consumer from being included in listings provided by the CRA).

To block credit inquiries that otherwse have permissible purpose under any section of FCRA 604, you need to place a freeze on your report, not simply a fraud alert.

[Anonymous]

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@RobertEG wrote:

Initial and extended fraud alerts, described under FCRA 605A., place an alert in your file that requires creditors to contact you prior to granting new credit, increasing existing credit, or providing an additional card.  They do not block a party who has permissible purpose from obtaining your credit report (other than promotional inquiries for credti you did not request, as fraud alerts also provide for automatic opt-out of the consumer from being included in listings provided by the CRA).

To block credit inquiries that otherwse have permissible purpose under any section of FCRA 604, you need to place a freeze on your report, not simply a fraud alert.

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Do ppl do this while gardening and or after they are "set" for their cards?

[takeshi74]

Some do, some don't.  People aren't all exactly identical.