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Chase, CITI, USbank & BOA blacklist workaround? Removing inquiries?

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unas2k5
Member

Chase, CITI, USbank & BOA blacklist workaround? Removing inquiries?

Has anyone had any experience with a workaround? Wether debt has been paid not paid or settled any input at all? Any threads that came up in my search where all pretty much outdated. Any experience ?

Message 1 of 7
6 REPLIES 6
unas2k5
Member

Has anyone had any luck removing inquiries ?

Unable to obtain new credit due to too many inquiries 

Message 2 of 7
OmarGB9
Community Leader
Super Contributor

Re: Has anyone had any luck removing inquiries ?

You can't remove legitimate inquiries. You'll just have to wait on obtaining new credit until some of them age off.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 7
citymunky
Established Contributor

Re: Has anyone had any luck removing inquiries ?

Nope

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 4 of 7
pizzadude
Credit Mentor

Re: Has anyone had any luck removing inquiries ?


@unas2k5 wrote:

Unable to obtain new credit due to too many inquiries 


 

The above posts are correct, there's no basis to have legitimate inquiries removed from your reports.  

How many inquiries do you have showing now, and how recent are they?  

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 7
TattnallTrio
Frequent Contributor

Re: Has anyone had any luck removing inquiries ?

I also agree... you can't have inquiries removed. If you file a dispute on them with the credit bureaus they'll respond saying that inquiries are a matter of fact of your credit being pulled. 
Give it 6-12 months and you should be in good shape again! 

Message 6 of 7
Adkins
Legendary Contributor

Re: Chase , CITI, USbank & BOA blacklist work around?

There usually isn't a work around for major banks. Even if the negative accounts have aged off your credit report, the banks each keep their own internal data about past accounts you've had with them. From what I've read, some people manage to get approved for co-branded cards after years on the blacklists, while others still can't get even that. Fully paid accounts are more likely to get you off the blacklist sooner, settled and unpaid seems to take the  longest, if ever. The banks want their money. 

 

 


Last HP 08-07-2023



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