topic Re: How can I remove credit inquries? in General Credit Topics

How can I remove credit inquries?

Anonymous — Wed, 18 Apr 2012 08:32:42 GMT

I have 12 Unauthorized credit inquries on my reports (4 on each) , how can I remove these? I was a minor when all these inquries were put on my report.

Is it even possible ? How do I remove them? How long will it take?

Re: How can I remove credit inquries?

pizzadude — Wed, 18 Apr 2012 13:57:37 GMT

@Anonymous wrote:
I have 12 Unauthorized credit inquries on my reports (4 on each) , how can I remove these? I was a minor when all these inquries were put on my report.

Is it even possible ? How do I remove them? How long will it take?

Welcome to the forums !! How recent are these inquiries ?

These inquiries will only hurt your FICO score for one year from the date they occured, however your credit reports will display them for two years.

Are you saying that these inquiries were fraudulent because someone else requested credit in your name ? Or because you were under the age of 18 ?

Even if you happen to be under 18, I believe that companies can still pull your credit reports if they have a permissable purpose and/or you initiate a business transaction with them.

Re: How can I remove credit inquries?

Jayandrew09 — Wed, 18 Apr 2012 19:21:57 GMT

I was under 18, and I didn't autheroize this. I don't have a score because I have no accounts open. Some of the inquries was 2 years old, and some are a few months old.

Re: How can I remove credit inquries?

MarineVietVet — Wed, 18 Apr 2012 19:24:35 GMT

I noticed your user name changed.

Re: How can I remove credit inquries?

pizzadude — Wed, 18 Apr 2012 20:50:44 GMT

Even if you apply for credit when you are under the age of 18 a creditor can still pull your reports. Are you saying that someone else applied for credit using your information ?

Since you don't have a FICO score there is no point in worrying about inquries. Even if you had a FICO score the score damage from a few inquries is very minimal, so it really not worth the trouble to try to get them removed.

Re: How can I remove credit inquries?

RobertEG — Wed, 18 Apr 2012 22:46:44 GMT

If you applied for credit as a minor, you most likely come into any dispute with what the law calls "unclean hands."

Its not worth it to get into a hassle over what is almost an insignificant item..... credit inquiries.

Making inquiries for your credit report does not require your express approval if you initiated a request for credit.

Re: How can I remove credit inquries?

Jayandrew09 — Thu, 19 Apr 2012 00:01:12 GMT

I never applied for credit, that's why I want them removed.

Re: How can I remove credit inquries?

llecs — Thu, 19 Apr 2012 01:48:54 GMT

@Jayandrew09 wrote:
I never applied for credit, that's why I want them removed.

If I had that, I'd probably call the police. ID theft issue here. You can probably dispute the inquiries. That'll result in a fraud alert which is what you'd want in place anyway, especially with inquiries showing within the past few months. Keep an eye on your reports. Someone has your personal info.

Re: How can I remove credit inquries?

Anonymous — Thu, 19 Apr 2012 15:31:48 GMT

If you did not apply for credit, or a cell phone plan, insurance, apartment, etc then you should definitely put out a fraud and ID theft alert. I saw a news report once where ID thieves are going after minors, particularly because a minor or their parent will not be checking their credit reports for a long time so the thief can really go to town.

Re: How can I remove credit inquries?

Anonymous — Thu, 19 Apr 2012 15:40:08 GMT

I know this is coming out of left field, and honestly, I'm not insinuating anything specific, but did you ask your parents about this?

Re: How can I remove credit inquries?

RobertEG — Fri, 20 Apr 2012 12:31:47 GMT

Ah!

If the inquiries were not authorized by you, and you can state that affirmatively, then you have the balls in your court.

Just go to your local police station, and file a police report, asserting that you never had any relationship with those creditors that would have provided them any permissible purpose.

After filing the police report, simply send a copy to each creditor who made inquiry for your credit file, requesting, under the provisions of FCRA 609(e), all business records in their possession relating to any asserted business relationship you allegedly had with them. They must comply with that discovery provision of the FCRA.

Any records they provide can then be used to show you were not the actual signatory on those accounts, and thus their lack of permissible access to your CR.

It starts with compelling them to provide documentary support.

An allegation of potential identity theft is the one area of the FCRA that permits consumers to compel discovery. I would use it.

Re: How can I remove credit inquries?

Jayandrew09 — Tue, 24 Apr 2012 06:36:50 GMT

These are the 4 unarthorized inquries on my Experian credit report.

KOHLS/CAPONE

3/25/2012

Complete Department Stores

WELLS FARGO BANK

3/17/2012

Bank Credit Cards

CAP ONE

3/15/2012

CAP ONE

3/13/2012

Bank Credit Cards

Is there

Re: How can I remove credit inquries?

Anonymous — Tue, 24 Apr 2012 13:01:41 GMT

so i take it you just turned 18? I would be serious about this if you didnt apply for any of this. So did all these inquiries result in denials? Are you sure these are hard inquires and not softs? is your address up to date? if these were indeed hard inquiries then you wouldve gotten denial letters in the mail right?

Re: How can I remove credit inquries?

Anonymous — Tue, 24 Apr 2012 14:25:56 GMT

Check carefully. Are these hard inquiries and/or do you also see any of those accounts reporting on your credit report? If so stop delaying and contact the police and put out a fraud report and freeze your reports immediately.

Are these soft inquiries? If so you cannot remove them, as there is no reason to, and it is perfectly normal.

Re: How can I remove credit inquries?

llecs — Tue, 24 Apr 2012 15:16:27 GMT

@Anonymous wrote:
Check carefully. Are these hard inquiries and/or do you also see any of those accounts reporting on your credit report? If so stop delaying and contact the police and put out a fraud report and freeze your reports immediately.

+1, and add a fraud alert. Alsom OP, if these are CapOne apps, then expect inquiries to be found on TU and EQ too. CapOne likes to pull all 3 CRs when you app.

Re: How can I remove credit inquries?

Jayandrew09 — Tue, 24 Apr 2012 21:33:19 GMT

These are showing up under "Hard Inquries" when I checked my free report for experian. I'll make the report and put a fruad alerty asap!

Re: How can I remove credit inquries?

Jayandrew09 — Wed, 25 Apr 2012 06:21:52 GMT

They removed all the inquries, and placed a fraud alert on my report.

Re: How can I remove credit inquries?

haulingthescoreup — Wed, 25 Apr 2012 06:43:48 GMT

@Jayandrew09 wrote:
They removed all the inquries, and placed a fraud alert on my report.

Good stuff. Do the same with Equifax and TransUnion, if you haven't already.

It might be innocent (a combination of someone with a name very similar to yours and the same last four on the SSN), or it might be deliberate fraud, unfortunately by someone who knows your DOB and your SSN.

I'd recomment subscribing to a credit monitoring service. Pay no attention to the "scores" that they give you, or any advice, but they're great for keeping track of what's happening with your credit reports. Check out the most recent posts on this thread for recommendations: CMS Guide

Meanwhile, I'm sorry to hear that this is happening to you. It sucks to know that someone who has access to your personal info seems to be trying a scam.