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Unauthorized Credit Inquiries

finfree
Contributor

Re: Unauthorized Credit Inquiries

Just filing a dispute is likely not going to get the hard pulls removed- after all, as far as the CBs are concerned Credco did pull your credit so there’s nothing to correct. You have to “prove” to the CB that the pull was unauthorized and that requires either Credco prove up the application came from you and, if they can’t, request deletion/recoding, or extrinsic proof that you were a victim (this is where a police report comes in).

Starting Score (October 7, 2010): EQ: 698 TU: 709
Interim Score: EQ (October 21, 2010): 714 TU (November 2, 2010): 732
Current Score: (March 14, 2018- all FICO8): TU: 831: EQ: 824: EX: 827
Goal Score: 850 all

Message 11 of 13
MVPJ
Regular Contributor

Re: Unauthorized Credit Inquiries

Chase removed hard inquires from Experian and change it to soft pull.

Problem solved

Message 12 of 13
Birdman7
Super Contributor

Re: Unauthorized Credit Inquiries

isn't a business required to have written consent to pull your credit? anyone know the USC or CFR on it?
-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 13 of 13
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