topic Re: REMOVAL OF UNAUTHORIZED INQUIRIES in Rebuilding Your Credit

REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 18:14:35 GMT

ONE DAY BEFORE THE EQUIFAX LINE WAS DISCONNECTED I WAS ABLE TO SUCCESSFULLY GET 15 INQUIRIES DELETED FROM MY CREDIT PROFILE. HOW MANY POINTS DO YOU ALL THINK MY SCORE WILL INCREASE BY?

AND FOR ALL OF MY FELLOW FICO JUNKIES FOR THE HECK OF IT I CALLED THIS EQUIFAX# TODAY AND SPOKE WITH SOMEONE ON THE FIRST RING 866-238-8067

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 19:23:52 GMT

Depends on how recent they were...inquiries more than 1 year old...does not affect score...almost at all...I heard inquiries can cost from 0-10 points each...so not sure in your case...

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 19:32:20 GMT

Good for you!

Interestingly enough, TU refuses to even accept a dispute from me for ONE inquiry - telling me it's illegal!

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 19:36:19 GMT

UpUpUp wrote:

Good for you!

Interestingly enough, TU refuses to even accept a dispute from me for ONE inquiry - telling me it's illegal!

This is correct.

Section 609(a)(3)(A) of the FCRA requires the CRA to disclose to you the ID of everyone who gets your CR. Technically, even if a creditor had no PP whatsoever, the CRA has to list the inquiry on your report. So removing an inquiry is illegal because it means the CRA is rewriting history.

Of course, it's doubtful they will get slapped for it, because it's highly unlikely that any consumer will sue a CRA because they REMOVED an inquiry.

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 20:01:01 GMT

masdeocho wrote:

UpUpUp wrote:
Good for you!
Interestingly enough, TU refuses to even accept a dispute from me for ONE inquiry - telling me it's illegal!

This is correct.

Section 609(a)(3)(A) of the FCRA requires the CRA to disclose to you the ID of everyone who gets your CR. Technically, even if a creditor had no PP whatsoever, the CRA has to list the inquiry on your report. So removing an inquiry is illegal because it means the CRA is rewriting history.

Of course, it's doubtful they will get slapped for it, because it's highly unlikely that any consumer will sue a CRA because they REMOVED an inquiry.

So what's the point of the FCRA Section 604 which determines permissible purpose? If they had no PP, why can't it be deleted.

They also refused to recode to soft-inquiry, since it was a collection agency who pulled a hard and that is obviously not a request for new credit. Not to mention the fact that it was an alleged 10 year old med collection that is no longer within SoL or 7 year reporting period...

How is it that they are able to delete accounts, but not inquiries. That would be re-writing history as well if they took off an account that was once there before. It's total B.S. that collection agencies have been getting away with hard pulling reports to bully people into paying debts and damaging credit files in the process.

Message Edited by UpUpUp on 07-08-2008 04:01 PM

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 20:31:10 GMT

SLY THESE ARE THE DATES THAT WERE DELETED:

6/4/08,5/30/08,6/4/08,6/2/08,4/16/08,4/15/08,10/31/07,09/06/07,8/13/07,10/7/07,7/7/07,8/14/07,4/1/08,1/28/08,5/28/08,4/29/08,4/11/08,8/10/07,7/11/07

GOOD LORD I DIDNT KNOW I DISPUTED THIS MANY. THEY WERE DELETED ON YESTERDAY. WHAT DO YOU THINK OF THE SCORING FACTOR NOW SLY?

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 20:32:09 GMT

UpUpUp wrote:

masdeocho wrote:

UpUpUp wrote:

Good for you!

Interestingly enough, TU refuses to even accept a dispute from me for ONE inquiry - telling me it's illegal!

This is correct.

Section 609(a)(3)(A) of the FCRA requires the CRA to disclose to you the ID of everyone who gets your CR. Technically, even if a creditor had no PP whatsoever, the CRA has to list the inquiry on your report. So removing an inquiry is illegal because it means the CRA is rewriting history.

Of course, it's doubtful they will get slapped for it, because it's highly unlikely that any consumer will sue a CRA because they REMOVED an inquiry.

So what's the point of the FCRA Section 604 which determines permissible purpose? It is designed to keep the whole rest of the world from getting your CR for nefarious purposes. If they had no PP, why can't it be deleted. Because they still got a copy of your CR, and so the CRA is required to inform you that they did. The whole PP thing unfortunately has nothing to do with generating inquiries which can affect your credit score.

They also refused to recode to soft-inquiry, since it was a collection agency who pulled a hard and that is obviously not a request for new credit. Not to mention the fact that it was an alleged 10 year old med collection that is no longer within SoL or 7 year reporting period...

How is it that they are able to delete accounts, but not inquiries. That would be re-writing history as well if they took off an account that was once there before. I agree. It's total B.S. that collection agencies have been getting away with hard pulling reports to bully people into paying debts and damaging credit files in the process. I so totally agree.

Message Edited by UpUpUp on 07-08-2008 04:01 PM

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 20:33:43 GMT

UPUP I MAINTAIN IF SOMETHING LOOKS LIKE IT SHOULD NOT BE ON YOUR CR I SAY CHALLENGE IT INQUIRIES AND ALL. IM HAPPY TO KNOW THAT EQUIFAX DOES IT WITHOUT HESITATION.

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Tue, 08 Jul 2008 21:10:49 GMT

WoW!!!...that's a lot...CONGRATS!...I would guess these had some sort of affect towards your scores...so you should see some sort of increase...I have NO IDEA as to how many points you sould get...I have had inquiries not affect my score at all...but you sure will look better to future creditors who pull your creditor...less chances of getting denied due to "too many inquiries"...

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Wed, 09 Jul 2008 00:35:57 GMT

BUMP!!!!!!!!!!!!!!

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Wed, 09 Jul 2008 00:50:48 GMT

Sent a letter to TU. Not expecting results, because they s*ck! But, we'll see!

Re: REMOVAL OF UNAUTHORIZED INQUIRIES

Anonymous — Wed, 09 Jul 2008 00:52:02 GMT

YOU MAY BE SUCCESSFUL. HAVE YOU VIEWED YOUR EX AND EQ REPORTS FOR UNAUTH'D INQUIRIES?