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Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Non Authorized Inq Letter


getnthere wrote:

I have multiple inquiries from the same unauthorized inquirer, is each offense worth $1000 or are they considered one offense?

 

 




Each is $1k
Established Contributor
Mike14
Posts: 618
Registered: ‎09-16-2008
0

Re: Non Authorized Inq Letter


Mike14 wrote:

 

Bump

 

I don't think the company is going to remove the inq.  What do I do next if they don't, file a claim in small claims court?


 

They removed it!!!  This letter really works!  I really shouldn't pull EX again, as I just pulled it a few days ago; however, if i don't pull today, I might never be able to again....  I'm so torn!

Wife's FICO Scores, 7/10/09: TU:??? EQ:634 EX: ???
Wife's FICO Scores, 2/13/09: TU:??? EQ:604 EX: 630
Wife's FICO Scores, 2/05/09: TU:??? EQ:592 EX: 630
My FICO Scores, 6/19/09: TU:757 EQ:744 EX:758 (all from MB; EQ Agrees)
My FICO Scores, 3/29/09: TU:755 EQ:746 EX: ???
My FICO Scores, 2/05/09: TU:??? EQ:730 EX: 720
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Non Authorized Inq Letter


Mike14 wrote:

Mike14 wrote:

 

Bump

 

I don't think the company is going to remove the inq.  What do I do next if they don't, file a claim in small claims court?


 

They removed it!!!  This letter really works!  I really shouldn't pull EX again, as I just pulled it a few days ago; however, if i don't pull today, I might never be able to again....  I'm so torn!





Congrats!
Established Contributor
Mike14
Posts: 618
Registered: ‎09-16-2008
0

Re: Non Authorized Inq Letter

Well, we pulled both my wife's and my Experian FICOs late Friday night: no change to either.
Wife's FICO Scores, 7/10/09: TU:??? EQ:634 EX: ???
Wife's FICO Scores, 2/13/09: TU:??? EQ:604 EX: 630
Wife's FICO Scores, 2/05/09: TU:??? EQ:592 EX: 630
My FICO Scores, 6/19/09: TU:757 EQ:744 EX:758 (all from MB; EQ Agrees)
My FICO Scores, 3/29/09: TU:755 EQ:746 EX: ???
My FICO Scores, 2/05/09: TU:??? EQ:730 EX: 720
Established Member
superG
Posts: 38
Registered: ‎02-08-2009
0

Re: Non Authorized Inq Letter

ThanksTuscani!  What a Great Letter!  any ideas on the post I just did ?  I think I put it under general cr repair...

 

Just Busted a Collection Agency for breaking rules but not sure which ones.... and now what?

New Contributor
abadfish66
Posts: 68
Registered: ‎01-29-2009
0

Re: Non Authorized Inq Letter

I used this letter, sent it out 2 weeks ago, have not seen an update, or heard from the companies. I have 3 from collect america within a 5 month period. Is there a follow up letter, or should I give it more time?
Frequent Contributor
tullz85
Posts: 308
Registered: ‎02-26-2009
0

Re: Non Authorized Inq Letter

This isn't as important as other aspects of my credit, but here goes. I've read this whole forum, thanks for the wealth of info!!!

 

My main question is, I opened a checking account through Bank of America and did it online. I wasn't aware there's a credit check. I hear it's soft and I heard it's hard, but it shows up on TU. 


I wasn't aware that opening strictly a checking account with no cc applications would give me an inquiry on my TU.

Should I write a letter? Or am I out of luck?


Thanks!!!

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Non Authorized Inq Letter

I'd say you are out of luck, IMO. Most banks pull your credit before issuing a checking or even a savings account. Penfed, BofA, and Wachovia all hit me with hard inquiries within the past 2 years due to opening new accounts.
Frequent Contributor
tullz85
Posts: 308
Registered: ‎02-26-2009
0

Re: Non Authorized Inq Letter

Well, at least those will fade and it's not a huge hit, but still. I just find the principle disgusting, I understand to a degree why, but why a hard pull?!?! Does not make any sense!

 

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Non Authorized Inq Letter

I understand a need for a credit pull. It is easy nowdays to get hit with a CO checking acct. Maybe the hard pull is to see whether or not you have other banks COs in the past. Though, I gues banks could easily use Chexsystems to figure all that out, rather than pulling from one of the 3 CRAs.

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