Just call them, I had to call to dispute one and the whole conversation lasted no more than 2 minutes. They gave me a case number and in a few days I got a letter in the mail saying that the inquiry was being deleted.
For age and want, save while you may; no morning sun lasts a whole day. --Benjamin Franklin
First USA 09-15-05 - Possibly Bank One student card
HSBC NV 10-01-05 - Orchard Bank Secured
First USA 10-03-05 - ?
First USA 03-20-06 - ?
Mazda Credit 06-26-06 - Getting an idea if I could get credit for my car
Mazda Credit 07-09-06 - I think I messed up here and applied twice
CITI 07-18-06 - Dividend card
Ohio ED-Loan 08-14-06 - Trying for auto loan through credit union
E-Loan 09-26-06 - Again, auto loan
Taleris CU 09-26-06 - Eww, auto loan
Credco IMS 09-30-06 - Don't know, probably auto loan
Taleris CU 10-06-06 - Don't know why they have two, two weeks apart. The only thing I could think of is would they do one when I apply for membership and one for trying for auto loan?
Mazda Credit, Westfargo Bank, Chase, 5/3 Bank, US Bank all on 10-18-06 - Big day at the car dealership. Good news though. After only one year of credit history, I was able to nail a loan at 6.49% with no co-signer.
First USA 11-15-06 - ?
First USA 03-15-07 - Chase Freedom?
I know most of them are my fault. But the seeds are now planted for me. I got some good CCs (some not even on here) and an auto loan. My EQ and EX only had like 8 and 9 inquiries within two years so I'm not concerned about those.
How can I find out what all these First USA were from?
Under each inq their should be a phone number in most cases. Call them. Ask. They keep records of that stuff. If the bank does not have a record and you do not know why it was there ask the bank to remove it.
As an underwriter at JPMorgan, the parent company to the company the owns FUSA, I doubt they just do hard inquires into your credit (they do not need to, if you have accounts w/them your credit file is open for them to reveiw. Even if you don't have accounts they can still purchase it.). If you have accounts with FUSA and have requested lower rates or higher credit limits or other such things then you have infact been consenting to inquires. If you do not have accounts then perhaps you have applied for credti somewhere that is owned by FUSA or with someone who "priced" you out to them. From my experience most people worry way too much about inquires, which have little effect unless taken to the extreme, when they should be worrieing about other things that have far more impact on their credit.
"Bank ONE is owned by First USA. First USA is owned by Chase. Oops, didn't see page 2 had this info already."
This is not quite true. Rather FUSA was bought by BankOne which was previously ValleyNational. Chase merged w/BankOne about 1.5yrs ago, Chase is part of JPMorgan and Chase Manhatten. There are MANY more smaller banks included but those are the big ones. Basically they are all JPMorgan Chase.
My husband's credit report has about 8 inquiries from First Bank USA or (whatever it's called) on his reports all within a years time. If this is true that they are from Chase bank I suppose it would make sense because we have some accounts with them. But the question I have is if we were inquiring for credit limit increases on our current accounts to improve our credit scores (as suggested by Suze Orman) then shouldn't these be soft inquiries since we already have the accounts with them??
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