Rebuilding Your Credit

[EaglesFan2006]

For some reason AT and T has two inquiries listed on my CR (one day apart)...anything i can do about this....i don't want it hurting my score

[LIGHTNIN]

How old are these inquiries?

[EaglesFan2006]

Less than a month.  I'm really annoyed by it.  I mean, I don't plan on obtaining new credit any time soon but you never know.

[LIGHTNIN]

Here's what I think you are looking for a non-permissible purpose letter.You may reword it to say they only has permission for one inquiry and not for two inquiries.

 http://ficoforums.myfico.com/t5/General-Credit-Topics/Non-Authorized-Inq-Letter/m-p/6469

Or what I would suggest trying first is, calling at&t and talk with CSR to see if they can fix it over the phone, before you go thru the trouble of writing a letter.

Inquiries report for 2yrs and only hurt your CS for the first year,But from my experience an inquiry only hurt my CS by a few points only.

[RobertEG]

There is no apparent reason for them to have done this.  I agree that you should talk with this creditor, and ask them to delete the second inquiry.

But to say that the second was not a permissile pull will be difficult to support.

When they make an inquiry, they have to give a reason for the pull, such as for new credit, or review of an existing account.

There are no provisiions under FRCA 604 that limit the spacing of multiple credit inquiries.  I know of no justification for asserting a non-permissible pull.