topic Re: Help with removing credit Inquiries in Rebuilding Your Credit

Help with removing credit Inquiries

tictoc — Fri, 20 Jan 2012 03:44:10 GMT

Does anyone know how to get credit inquiries off credit reports?? TU and EQ only show 2 so I'm ok with those but EX shows 7 all the credit inquiries are legit but it just looks like I was asking for credit everywhere and has affected my score by like 20 points.

By the way all the credit inquiries were due to trying to refinance so I went to a couple banks & car dealers.

Re: Help with removing credit Inquiries

pizzadude — Fri, 20 Jan 2012 04:00:17 GMT

Can I ask where you got your EX score ? As consumers we can't purchase EX FICO scores.

You will really have a tough time removing these. They were from a business transaction that you initiated, so the companies had permission to pull your credit.

Also the scoring damage may not be as bad as your think ~ if they were all coded as Auto inquiries then FICO scores them as a single inquiry within a month or so window.

Re: Help with removing credit Inquiries

tictoc — Fri, 20 Jan 2012 04:06:55 GMT

I purchased my scores from freecreditreport.com, my EX score was 593 and now its 580 so it went down 13 points, EQ shows my score at 623 and TU has it at 505

Re: Help with removing credit Inquiries

pizzadude — Fri, 20 Jan 2012 04:11:21 GMT

These are not FICO scores. There are only a few places ( like here ) that will sell you FiCO scores, which are the scores that 90% of lenders use.

I wouldn't worry about the inquiry damage. If you have lates or other negatives on your report I would focus on them to boost your FICO scores.

Re: Help with removing credit Inquiries

tictoc — Fri, 20 Jan 2012 04:20:17 GMT

Oh ok then i'll shift my focus to remove some baddies! thanks

Re: Help with removing credit Inquiries

kpresod — Fri, 20 Jan 2012 04:24:11 GMT

Is transunion.com one of those places?

Re: Help with removing credit Inquiries

pizzadude — Fri, 20 Jan 2012 04:28:25 GMT

Nope, unfortunately TU doesn't seem to sell a FICO score anymore.

They used to sell a FICO at TransunionCS.com but that no longer seems to work.

Re: Help with removing credit Inquiries

kpresod — Fri, 20 Jan 2012 04:32:46 GMT

ok, so apart from myfico.com do you by any chance have a list of those sites?

Re: Help with removing credit Inquiries

pizzadude — Fri, 20 Jan 2012 04:48:28 GMT

I do not ~ but I'm sure someone else will post or just do some searching around the forums.

I haven't purchased a score in over a year ~ now that creditors are required to disclose your score when they counter~offer or deny you, I have been using those scores to monitor where I stand. And some creditors actually give your score even when you are approved.

Re: Help with removing credit Inquiries

beb86 — Fri, 20 Jan 2012 09:23:16 GMT

@kpresod wrote:
ok, so apart from myfico.com do you by any chance have a list of those sites?

there is a new site that gives you all three reports but its still in beta testing its www.mycreditplan.org more info can be found under credit in the news section on the myfico fourms. on the plus side credit inq only affect your score for 12 months.

Re: Help with removing credit Inquiries

llecs — Fri, 20 Jan 2012 14:46:06 GMT

@kpresod wrote:
ok, so apart from myfico.com do you by any chance have a list of those sites?

Mycreditplan was mentioned. There are continually updating it and they have billing issues too. When they first went live, I did acquire my tri-merge report from them with all 3 FICOs, but shortly after they took it down and have been down for a couple of months now. Caveat emptor until they get things squared away.

Aside from myFICO.com, the only places you can buy your EQ FICO is from your lender and from www.equifax.com/myfico-products.

Aside from myFICO.com, the only place you can buy your TU FICO is from your lender.

Unfortunately, Experian blocked consumer access to your own EX FICO three years ago, but you can still get it from your lender.

Outside of the above, there are some banks and CUs out there that offer a FICO score as part of a benefit for banking with them. For example, you can get your EQ FICO from a number of places like Unitus Community Credit Union, M&T Bank, and Digital Credit Union. You can get your TU FICO if you happen to have an account with any of the two WalMart CCs. And you can get your EX FICO if you happen to be a memeber of PSECU and have a checking account with them. Finally, if you are active duty military, you can get your TU and/or EQ FICO for free via saveandinvest.org.