Understanding FICO® Scoring

[Jack_Sparrow]

I have quite a few inquiries that need disputing on each of my reports, especially Transunion. Transunion currently has 19 for me. About half of them need to go. When I go to the online dispute for TU and EX they will only let me dispute accounts and a few other things. Is there any way to do this online? I hate writing through mail and phone I don't feel like the information can be presented as clearly.

[Tuscani]

You usually have write or call. Are these valid Inqs?

[Jack_Sparrow]

When I applied for a car loan at my dealership there were 5 inquiries on the same day through other banks. When I only did one at the dealer. I want that condensed into one.

First USA also keeps hard inquiring on me and I've never applied for anything from them.

[Tuscani]

All but the First USA have valid PP.

[Jack_Sparrow]

What's PP?

[masdeocho]

Permissible purpose.  It's the legal way of saying they are allowed to pull your credit report. 

[Jack_Sparrow]

But I thought for an auto loan, inquiries were supposed to be grouped into one.

[masdeocho]

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Jack_Sparrow wrote:

But I thought for an auto loan, inquiries were supposed to be grouped into one.

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All of them will be listed individually on your report, but are counted as one when your FICO score is calculated (provided they are within a 14-day window).

[Jack_Sparrow]

Does anyone know if First USA part of a bigger company?

[Tuscani]

First USA is Chase.