Credit Cards Center Credit cards from our partners
Frequent Contributor
Posts: 325
Registered: ‎08-16-2011

Removing credit inq???

My mortgage company somehow "accidentally" pulled my CR back in May (I closed back in December) and when I called them about this they had no clue how it happened. I talked to a lady at their corporate office in CO who sent me a copy of the letter she sent to all 3 CB's explaining that the inquiry was by mistake and to please remove it from all 3 reports immediately. EQ sends me a letter in return stating they don't delete inquiries as they don't factor into my score??? Is there any way this can be fixed? Freakin EQ gives me a headache...ugh.

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Epic Contributor
Posts: 22,504
Registered: ‎03-19-2007

Re: Removing credit inq???

If its inaccurately reported, the issue of whether it "counts" in scoring is irrelevent, and not the business of a CRA.


The issue in obtaining removal is that a credit inquiry is not a normal reporting of account information to the consumer's file, and as such is not a part of normal monthly reporting.  Thus, they cant simply delete it in their normal reporting.


FCRA 611(a) permits a consumer to dispute the accuracy of "any item of information contained in a consumer's file."

Send a dispute to the CRA, which requires them to forward the dispute to the creditor, who will respond back that it is inaccurate and should be deleted.


The CRA will then have a statutory requirement under FCRA 611(a)(5)(A)(i) to "promptly delete that item of information from the file of the consumer."



Posts: 8
Registered: ‎03-16-2012

Re: Removing credit inq???


Fako TU 621 EX 519 EQ 585
 photo capital_one_quicksilverone_cash_rewards_credit_c_zpsaf05d420.jpg
Posts: 17,419
Registered: ‎07-14-2009

Re: Removing credit inq???

faith_is_da_key wrote:


Hi there. I'm not sure what you mean by this.

Established Contributor
Posts: 990
Registered: ‎06-27-2014

Re: Removing credit inq???

Was it a soft pull (i.e. shows up in the section of INQs only viewable by you).  If so then they are correct, the INQ isn't effecting your score.  


But I am going to assume it was a hard pull in which case it will effect your score until June.  Although, it may only be a single point.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.