topic Re: Request to remove Credit Inquiry in Rebuilding Your Credit

Request to remove Credit Inquiry

Anonymous — Thu, 13 Sep 2012 00:39:06 GMT

Recently sent out requests to 6 different companies to remove inquiries they have placed into my credit. The response that I got back was, well, no response. A few sent letters back stating they have received my "dispute" (even though I explicitly mentioned I was not disputing anything) and just told me the different types of inquiries that exist. Seems to me this is the standard response to this type of request since all the companies responded with similar letters. Any suggestions on how to reply? What to say? Key words to get them to remove these inquiries?

As always, thanks for the help!

Re: Request to remove Credit Inquiry

llecs — Thu, 13 Sep 2012 00:41:33 GMT

When were the inquries?

Why are you trying to get them removed?

Re: Request to remove Credit Inquiry

algorithmslave — Thu, 13 Sep 2012 02:23:05 GMT

I have a similiar issue with what happened while I was car shopping. One lot sent out five inquiries. Well WFDS and Chase both did not follow the rules, of course. I asked for my bailout like they did.......oooopppppssss sorry....I asked for these inquiries to be removed on the account that shopping for the same loan within 2 week to 30 day period should only count as a one. Well, the banks did not respond but rather EQ responded and said, "Inquiries are factual information". Interesting how there is a button that even allows one to dispute 'factual' information if thats the case!

Re: Request to remove Credit Inquiry

LoveGoodCredit — Thu, 13 Sep 2012 03:30:04 GMT

I got the same message from Equifax regarding a capital 1 inquiry. It was not supposed to be on my credit at least I thought, because i filled out for one of those prequal applications. Well, I called capital 1 and they were really awkward about it so I just hung up the phone. I must have had an account when I was like 18 or something which was 20 years ago because they were asking "Are you calling about your old account'? I didnt want to deal with it. I dont even remember having an account. Weird!

Re: Request to remove Credit Inquiry

kimmiller112 — Thu, 13 Sep 2012 03:40:48 GMT

With car shopping (and mortgage shopping), inquiries very close together are counted as one. When applying for a credit card, tell them that the inquiries within that car shopping period were from that.

Re: Request to remove Credit Inquiry

kimmiller112 — Thu, 13 Sep 2012 03:49:40 GMT

Re: Request to remove Credit Inquiry

algorithmslave — Thu, 13 Sep 2012 04:14:31 GMT

@kimmiller112,

Is this counting as one for all inquiries within a certain time automatic? Or does the mortgage broker or car lot have to report it that way?

Re: Request to remove Credit Inquiry

Anonymous — Thu, 13 Sep 2012 15:03:05 GMT

They were forr different things. One collection agency, a few credit cards, etc.. Trying to eventually get a mortgage, getting everything off my report that I can helps.

Re: Request to remove Credit Inquiry

Anonymous — Thu, 13 Sep 2012 15:04:05 GMT

Be careful, you may want to follow-up.. What if it's identity theft?

Re: Request to remove Credit Inquiry

Anonymous — Thu, 13 Sep 2012 15:05:07 GMT

Im looking for specific things to say to clue them that I want these inquiries off my reports. Has anyone been able to get an inquiry removed? What did you say?

Re: Request to remove Credit Inquiry

Anonymous — Thu, 13 Sep 2012 16:12:08 GMT

Inquiries are tough to get removed. It would depend on who made the inquiry and why.

Re: Request to remove Credit Inquiry

LoveGoodCredit — Fri, 14 Sep 2012 02:17:13 GMT

Any ideal on capital one let me know!

Re: Request to remove Credit Inquiry

nicholasyud — Fri, 14 Sep 2012 02:44:48 GMT

im running from 15 to 8 on my report...keep tryin and dont dispute with CRA they aint gonna do nothing for it......they only check their online system and going to come back as verify...sent a letter to your original creditor ....i got mine remove that way

Re: Request to remove Credit Inquiry

karnitia — Fri, 14 Sep 2012 05:36:26 GMT

Can u pm what you said in your messages to the OC? Thanks a lot!

Re: Request to remove Credit Inquiry

LoveGoodCredit — Fri, 14 Sep 2012 22:50:19 GMT

Could you please PM me too? I would like to get some inquiries removed.

Re: Request to remove Credit Inquiry

Anonymous — Sat, 15 Sep 2012 03:39:40 GMT

@algorithmslave wrote:
@kimmiller112,

Is this counting as one for all inquiries within a certain time automatic? Or does the mortgage broker or car lot have to report it that way?

When car shopping or mortgage shopping, there can be several inquiries in a short period of time. I purchased a new car in May and my application was submitted to 5 different companies all on the same day. If I apply for a credit card right now and get denied because of number of inquiries, I have a very good chance at recon because I can explain that the five inquiries that happened on xxx day were from when I purchased my car. The credit card company will count it as one inquiry.

Re: Request to remove Credit Inquiry

algorithmslave — Thu, 20 Sep 2012 19:46:15 GMT

@LoveGoodCredit wrote:
I got the same message from Equifax regarding a capital 1 inquiry. It was not supposed to be on my credit at least I thought, because i filled out for one of those prequal applications. Well, I called capital 1 and they were really awkward about it so I just hung up the phone. I must have had an account when I was like 18 or something which was 20 years ago because they were asking "Are you calling about your old account'? I didnt want to deal with it. I dont even remember having an account. Weird!

Yes.....the slaves of these criminal banks (customer service agents) love to "inform" peeps that the credit inquiry is ONLY a few points. Well, if it truly is a few points, than whats the issue with releasing these points back? I clearly shopped around for ONE LOAN in regards to a vehicle purchase well within 30 days.

Re: Request to remove Credit Inquiry

LoveGoodCredit — Fri, 21 Sep 2012 12:47:53 GMT

I have letters into Capital 1. Somehow their prequal app dinged my credit, and I asked them to remove them due to me not authorizing them.