b* for EX possible?

[screeema]

I am almost done getting Hard inquries removed from EQ, and working on TU but what about

EX, is it possible??

[Datx]

No, unfortunately not. I wish there was a way because I have plenty on EX.

[android01]

From my understanding, no.  EX either has substantially more storage space, or their file management systems are more technologically current than either EQ or TU.  Most likely both.

[haulingthescoreup]

I'm convinced that this is why Experian gained so much market share back in 2007 and 2008. EQ and TU were very unreliable, due to the small size of their files and the resulting fragility.

I have never, ever heard of an EX file splitting. Doesn't mean that it can't happen, of course.

[llecs]

B* refers to a process that is a taboo topic here involving early inquiry removals. Unfortunately, anyone suggesting it or advocating it would get their post zapped or edited because *b violates our Credit Repair Discussion Guidelines, Terms of Service, and User Guidelines that prohibit the promotion of certain types of credit repair.

[Anonymous]

Sorry to interject this, but what does b* mean?

[RobertEG]

Going back to your original post, it is unclear to me what you are trying to do.

Getting inquiries "removed" from your CR could entail many different things.

Are you contesting the legitimacy of the inquiry itself as being an impermissible pull?

Are you contesting how it was coded (i.e., as "soft" or "hard")?

Are you simply contesting continued inclusion in your CR after two years?

Very different issues.

In my opinion, disputing inquiries in your CR is extremely difficult to do, and usually not frutiful.

In fact, the dispute of inquires is so difficult to prove and investigate that the new direct dispute process under FCRA 623(a)(8), in the implementing regulaqtions at 16 CFR 660.4, specifically exempts credit report inquires as even being disputable in that process.

[Anonymous]

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@RobertEG wrote:

Going back to your original post, it is unclear to me what you are trying to do.

Getting inquiries "removed" from your CR could entail many different things.

Are you contesting the legitimacy of the inquiry itself as being an impermissible pull?

Are you contesting how it was coded (i.e., as "soft" or "hard")?

Are you simply contesting continued inclusion in your CR after two years?

Very different issues.

In my opinion, disputing inquiries in your CR is extremely difficult to do, and usually not frutiful.

In fact, the dispute of inquires is so difficult to prove and investigate that the new direct dispute process under FCRA 623(a)(8), in the implementing regulaqtions at 16 CFR 660.4, specifically exempts credit report inquires as even being disputable in that process.

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Disputing accurate inquiries is probably not recommended. 

I believe the reason that the direct dispute process excludes inquiries is not because of the difficulty involved, but rather due to the fact that there are other more appropriate remedies available when a creditor accesses one's credit report without permissible purpose.