topic Re: Removing Transunion Credit Inquiries in General Credit Topics

Removing Transunion Credit Inquiries

coolandcalm — Tue, 30 May 2023 15:10:49 GMT

I have some inquiries that I'm not familiar with on my Transunion. Anyone have any knowledge on how to dispute them.. I cant see a way to do it online.

Re: Removing Transunion Credit Inquiries

FireMedic1 — Tue, 30 May 2023 20:41:01 GMT

HP's are the hardest thing to get removed. Take one you dont notice and call them and ask why its on your report.

Re: Removing Transunion Credit Inquiries

coldfusion — Tue, 30 May 2023 21:10:13 GMT

Find out what they are and why they are there before you try to dispute them with Transunion. You may need to directly contact whomever it was that pulled your report to learn exactly why they did so.

Once you find out that information we can help you with specifics regarding best next steps. The path you would take is different if there was fraud vs. a legitimate error. TL;DR if there was fraud you'll be next filing police reports then disputing inquiries but if done in error you'll be first asking for the inquiries to be withdrawn and if they don't do so within a reasonable time frame you'll be filing a complaint with the appropriate government agency.

While you're at it get a (free) copy of your Lexis Nexis Consumer Report online and check it for errors.

It can take a couple of months to get this all straightened out.

Re: Removing Transunion Credit Inquiries

coldfusion — Tue, 30 May 2023 21:13:20 GMT

@FireMedic1 wrote:
HP's are the hardest thing to get removed. Take one you dont notice and call them and ask why its on your report.

Hard pulls done without permissible purpose aren't that hard to get removed if you play by the rules, do your due diligence, and follow the right steps in the right order. BTDT more than once.

Re: Removing Transunion Credit Inquiries

northway — Thu, 01 Jun 2023 00:30:17 GMT

I have a number of fraudulent inquiries on my TU report. I sent a police report and FTC report along with the letter. TU confirmed receipt and basically told me to get ****ed, and that they're denying it under 605B(c). They said they'll only send a letter out to the lender to validate if they're willing to remove, which is complete nonsense and against 605B rules.

I'll get the CFPB and a lawyer on them if I have to.

Re: Removing Transunion Credit Inquiries

coldfusion — Thu, 01 Jun 2023 02:39:29 GMT

@northway wrote:
I have a number of fraudulent inquiries on my TU report. I sent a police report and FTC report along with the letter. TU confirmed receipt and basically told me to get ****ed, and that they're denying it under 605B(c). They said they'll only send a letter out to the lender to validate if they're willing to remove, which is complete nonsense and against 605B rules.

I'll get the CFPB and a lawyer on them if I have to.

You don't need to wait, you're at the point where you can file a legitimate CFPB complaint immediately.

Re: Removing Transunion Credit Inquiries

805orbust — Thu, 01 Jun 2023 05:20:48 GMT

Side note @coolandcalm this is why you should ALWAYS keep your reports frozen. All the time. Need to app for something? Just temporarily unfreeze (thaw) it and boom. It's so easy to do honestly.

Re: Removing Transunion Credit Inquiries

butterpecan — Thu, 01 Jun 2023 15:49:28 GMT

@805orbust wrote:
Side note @coolandcalm this is why you should ALWAYS keep your reports frozen. All the time. Need to app for something? Just temporarily unfreeze (thaw) it and boom. It's so easy to do honestly.

@805orbust Can I ask what is the difference between freezing them and locking them? I apologize if it seems like you would need to explain it to a 5 year old but whenever I Google it I only get an explanation on how to do it and not the real difference between the two.

Re: Removing Transunion Credit Inquiries

coldfusion — Fri, 02 Jun 2023 00:30:46 GMT

@butterpecan wrote:
@805orbust wrote:
Side note @coolandcalm this is why you should ALWAYS keep your reports frozen. All the time. Need to app for something? Just temporarily unfreeze (thaw) it and boom. It's so easy to do honestly.
@805orbust Can I ask what is the difference between freezing them and locking them? I apologize if it seems like you would need to explain it to a 5 year old but whenever I Google it I only get an explanation on how to do it and not the real difference between the two.

The most important difference is that a lock is in essense a private agreement between you and the CRA whereas a freeze is a regulatory construct imposed and enforced by laws so if a CRA screws up and inappropriately releases a frozen credit report they're more directly accountable to the government for it and you have more legal protections than with a locked file. Insofar as usage it's easier and generally faster to unlock and relock a credit file than it is to thaw and then refreeze a credit file.

A side effect of the greater effort and time needed to freeze/thaw/freeze a file vs lock/unlock/relock is that freezing does tend to help curtail impulsive applications since you can expect to have to wait a bit for thaw requests to be executed.

There are a few other differences but those are 2 of the most important onces.

Re: Removing Transunion Credit Inquiries

butterpecan — Fri, 02 Jun 2023 01:18:24 GMT

@coldfusion Wow, thank you for taking time for this detailed explanation. Google has me some sorts of confused and so I couldn't decide which to do. Now however I will freeze mine. The freeze sounds to add an extra discipline that helps ward off spontaneous apping. Great help here thanks so much.

Re: Removing Transunion Credit Inquiries

805orbust — Sat, 03 Jun 2023 06:19:11 GMT

@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.

Re: Removing Transunion Credit Inquiries

butterpecan — Sat, 03 Jun 2023 06:35:26 GMT

@805orbust wrote:
@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.

@805orbust I'm happy to have found these threads I didn't realize you could do that without it being some sort of identity theft. Mine are all frozen now.

Re: Removing Transunion Credit Inquiries

butterpecan — Sat, 03 Jun 2023 14:40:57 GMT

@805orbust wrote:
@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.

@805orbust Can you do a preq. - soft pull - with them frozen?

Re: Removing Transunion Credit Inquiries

PayAndProsper — Sat, 03 Jun 2023 16:24:48 GMT

@butterpecan escribió:
@805orbust wrote:
@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust Can you do a preq. - soft pull - with them frozen?

Hey there! No, you typically cannot, unless you have a pre-existing relationship with them. This is why FRs on a CC, or auto-CLIs can take place even while your CRs are frozen.

Re: Removing Transunion Credit Inquiries

butterpecan — Sat, 03 Jun 2023 17:34:25 GMT

@PayAndProsper wrote:
@butterpecan escribió:
@805orbust wrote:
@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust Can you do a preq. - soft pull - with them frozen?
Hey there! No, you typically cannot, unless you have a pre-existing relationship with them. This is why FRs on a CC, or auto-CLIs can take place even while your CRs are frozen.

@PayAndProsper Ah. Ok, thank you it makes sense now. So NFCU, for example, can still take a peek on a soft pull to review my reports because I have a secured CC with them. Got it.

Re: Removing Transunion Credit Inquiries

805orbust — Tue, 06 Jun 2023 03:45:21 GMT

That's correct. I do soft pulls for increases all the time (well, not all the time) with my reports frozen. Never an issue. Actually, I've had soft-pulls for pre-qual's for new credit cards twice with issuers I had no account with. I keep my reports frozen ALL the time!!

Re: Removing Transunion Credit Inquiries

butterpecan — Tue, 06 Jun 2023 04:05:38 GMT

@805orbust wrote:
That's correct. I do soft pulls for increases all the time (well, not all the time) with my reports frozen. Never an issue. Actually, I've had soft-pulls for pre-qual's for new credit cards twice with issuers I had no account with. I keep my reports frozen ALL the time!!

@805orbust Ah, thank you I now understand. I do still want to be able to prequalify for a credit card so that's good to know because I froze mine a few days ago for the 1st time ever. Do you freeze just the 3 credit reports or the Sagestream/Lexis Nexis reports too? I read posts on here from 5 years ago but nothing solid from right now as to whether to freeze them or not. I don't have a clear understanding of why they are frozen I better understand what's on them is all.

Re: Removing Transunion Credit Inquiries

805orbust — Tue, 06 Jun 2023 04:16:28 GMT

Personally I've frozen all of them. The big 3, Sagestream, Innovis, and Lexis. Two of them merged iirc. In my case the SS, Inno, and L/N were VERY accurate. No red flags at all. They are a little more difficult to freeze as you've got to do it via snail-mail, so much more time is involved. With EQ, EX, and TU, the process takes just a few minutes online... very easy. It seems like the SS, Inno, and L/N are used mostly for identity verification. I've had those frozen for 3 years. I've had about 8 new accounts in that time and only once had an issue. On the Truist soft-pull pre-qual site they told me they were unable to verify my identity, so I just didn't bother moving forward with the app. Other than that, no issues. I'm sure that when I app for my next mortgage, I'll have to open all 6 up, but we'll see. Very happy with keeping everything frozen.

Re: Removing Transunion Credit Inquiries

butterpecan — Tue, 06 Jun 2023 14:08:54 GMT

@805orbust Your tradeline looks very happy too, job well done. I want to freeze it all too no doubt. Thank you for explaining how you had to do the Sagestream etc. I saw that on Google when I sesrched but I prefer to also get real time up to date info here. I am thankful for the information and data you've shared this helps us beginning the journey. If I had known even half of the things I've learned here in just 2 short months all along I'd be in a better place. Since joining in April while following along with advice and researching etc. my EQ FICO score has went from a 522 to a 600. I promise you I'll still be asking g you questions though.

Re: Removing Transunion Credit Inquiries

805orbust — Fri, 09 Jun 2023 10:07:38 GMT

@butterpecan all good my friend. It's what I love about the crowd here. The learning never stops. I've been here for perhaps 8 years and still ask questions all the time. There are people here that are a treasure-trove of knowledge and I still seek them out. 🙂