@Anonymous wrote:
Hi, I recently pulled my Experian credit report and noticed that I have 5 hard inquiries from Wells Fargo dating back to July 2008. Two of them were done on the same day last July, I opened checking and savings on the same day, but you would think one pull would be enough... The third one was in Aug '08 for a credit card that I never even applied for, but I accepted it anyways. The fourth was this January for a credit line increase request. The last one was in February for opening another savings account after I closed my original one. My question is should I be able to dispute most of these since they either didn't involve obtaining credit or were for a purpose that I didn't authorize? I know the score impact is probably small, but it still ticks me off that they did so many unecessary hard pulls. Thank you.
--
Tom
EQ:
9/2/09- 681 9/4/09- 698 9/9/09- 725 10/26/09- 740
Welcome to the forums.
These three inquiries stopped affecting your score after one year although they remain on your reports for up to two years. The last two will lose influence by 2/10. I'll let others advise you whether to dispute or not.
(myfico)
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
CC interest free as of 8/09
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".
