topic Re: getting inquiries deleted in General Credit Topics

getting inquiries deleted

mamabear — Mon, 14 May 2007 16:54:46 GMT

On another site, poeple say they have disputed inquiries online with Equifax and that they have come off almost immediately. It is not working for me. Anyone do this with success and if so, how long did it take and how much did score rise?

Re: getting inquiries deleted

Tuscani — Mon, 14 May 2007 16:56:21 GMT

Don't dispute accurate Inqs.

Re: getting inquiries deleted

mamabear — Mon, 14 May 2007 17:00:26 GMT

I have only disputed ones I honestly don't remember authorizing. For example, when I bought my car, apparently they called like 10 places. I knew they were trying to get me financed but no idea they were calling all over the world. Is that wrong to dispute? Some, I have no idea what they are.

Re: getting inquiries deleted

Tuscani — Mon, 14 May 2007 17:02:49 GMT

Technically they had permissiable purpose.. Inqs have very little impact. IMO, the risks of disputing (fraud alerts) are not worth it.

Re: getting inquiries deleted

Anonymous — Mon, 14 May 2007 17:13:41 GMT

I disputed 6 inq's out of 13 i got for auto loan. they were deleted in about 5 days but no noticable change in score so like tusc said not really worth it.

Re: getting inquiries deleted

Anonymous — Mon, 14 May 2007 17:22:02 GMT

I had several inquiries within the past year, in fact 25 in the past 2 years. I really don't think it has a huge impact on your score personally because my credit score is still a 688. My suggestion would be to dispute what's inaccurate and just focus on getting your debt down and not adding any new inquiries for a while. How many inquiries do you have?

Re: getting inquiries deleted

Anonymous — Mon, 14 May 2007 17:55:08 GMT

I disputed around 5 inquiries with EQUIFAX. They got deleted within 2-3 weeks. One of them got denied but i redisputed and they removed it. My score increased 0 points in that period by the way.

Re: getting inquiries deleted

Barry — Mon, 14 May 2007 18:03:30 GMT

Time for a word of caution about 'credit repair' talk from your friendly local admin.... Please read the following Credit Repair Discussion Guidelines to avoid having your posts edited or deleted.

Thanks,

Barry

Re: getting inquiries deleted

Anonymous — Mon, 14 May 2007 18:03:55 GMT

When you get shopped for a car loan they lump together the inquiries so you don't get dinged, as long as they are within specific short time frame. That's why you won't see a big drop with several inquiries for auto financing.

Re: getting inquiries deleted

Anonymous — Sat, 26 May 2007 17:18:43 GMT

I had my credit pulled by (2) different dealerships for a total of 25 times (most are to the same auto financers) on different dates. I went to the dealerships with a preapproval letter in hand for my financing that clearly stated my credit need not be pulled again. I went from 726 equifax now I have a 568. Do I deal with the dealerships or each individual lender on the report to get them pulled. I told them very specificalIy I didn't want them to pull my credit although they told me they could get me a better interest rate. They did anyway and I am still financed through my own lender.

Re: getting inquiries deleted

Tuscani — Sat, 26 May 2007 17:22:33 GMT

brandipresidente wrote:
I had my credit pulled by (2) different dealerships for a total of 25 times (most are to the same auto financers) on different dates. I went to the dealerships with a preapproval letter in hand for my financing that clearly stated my credit need not be pulled again. I went from 726 equifax now I have a 568. Do I deal with the dealerships or each individual lender on the report to get them pulled. I told them very specificalIy I didn't want them to pull my credit although they told me they could get me a better interest rate. They did anyway and I am still financed through my own lender.

Something else drastically changed on your reports. Any new late payments, collections. ect? Has your util changed? There is no way Inqs would drop your score 150+ points.

Re: getting inquiries deleted

MidnightVoice — Sat, 26 May 2007 17:46:35 GMT

Painful though they are, they are only supposed to be 10% of your score, and multiple auto dealers enquiring in two weeks should be treated as one inq.

Re: getting inquiries deleted

Anonymous — Sat, 26 May 2007 17:58:55 GMT

I disputed the inq just recently because when I opened my checking account they did a hard inq. They most definitely did not have permission. I would have left enough alone except I was being denied for too many inq's. Now I am really mad at the bank. Have not heard anything from Eq in 1 week. It's still new. But I did notice soft pulls regarding the event. Inq has not come off yet but I will wait 30 days before writing a mean letter to the bank demanding removal due to credit denials. How unfair.

Re: getting inquiries deleted

Anonymous — Sat, 26 May 2007 18:02:39 GMT

Honest and car salesman. That is a strange combination. Sorry this happened to you. I would try to get the car dealer finance dept. to remove some of them. But in any case.. Your score drop was more than 20 points. It could not be from inquiries alone. Am I correct?

Re: getting inquiries deleted

Anonymous — Sat, 26 May 2007 19:01:31 GMT

You got that right, I had my 1st late payment show up as 60 days past due which was only 30 days past. The credit card company has agreed to correct it by removing the late. So in combination w/ inquiries and a past due it would drop me that low?

It makes me sick to have even had the 30 day late. But "life happens". I am still proud to say I went from no credit or even a credit score 18 months ago to a median of 726 down to the 500's.

Do you think with the inquiries deleted ( I am counting on 16 for sure coming off after my initial conversation with the Gen Managers) and the late coming off will I go up to something reasonable again?

Thanks for the help! What a TOOL this site is truly for those seeking to do the best they can.

Re: getting inquiries deleted

Anonymous — Sat, 26 May 2007 19:03:56 GMT

Sorry duplicated my message

Message Edited by brandipresidente on 05-26-2007 12:03 PM

Re: getting inquiries deleted

smallfry — Sat, 26 May 2007 20:07:13 GMT

For FICO scoring purposes I have no doubt that you are correct. Go apply for a credit card and see if you have a problem with a lender who is unfriendly to those with a lot of inquiries. A lot might only mean 8-12. Some credit junkies on some of these message boards have upwards of 50-100.

Re: getting inquiries deleted

fused — Sat, 26 May 2007 20:37:42 GMT

smallfry wrote:
For FICO scoring purposes I have no doubt that you are correct. Go apply for a credit card and see if you have a problem with a lender who is unfriendly to those with a lot of inquiries. A lot might only mean 8-12. Some credit junkies on some of these message boards have upwards of 50-100.

Are u serious? Did not think someone could have enough time to spend on 100 app's for credit. Rest assured I am not loaning them anything.

Re: getting inquiries deleted

Tuscani — Sat, 26 May 2007 20:47:45 GMT

I know people who have 120+ inqs.

Re: getting inquiries deleted

fused — Sat, 26 May 2007 20:52:26 GMT

Tuscani wrote:
I know people who have 120+ inqs.

Once all of them drop and they are down to 0, how much might their scores increase?