delete inquiry?

[Anonymous]

I looked at my credit report, and saw a ton of inquiries for credit that I didn't apply to. 3 cards were opened in my name This past Jan. and i already disputed them. Can I dispute inquiries? If I cant, who would I write the letter to? They are affecting my score and I need as high a score as I can get!

[Red1Blue]

It is hard to get the inquires deleted.

[fused]

---

grandfinale03 wrote:
I looked at my credit report, and saw a ton of inquiries for credit that I didn't apply to. 3 cards were opened in my name This past Jan. and i already disputed them. Can I dispute inquiries? If I cant, who would I write the letter to? They are affecting my score and I need as high a score as I can get!

---

Fraud or identity theft? Please give us more deatils.

[Anonymous]

It wasn't all-out identity theft like in the commercials... with the 2 old ladies making motor cycle noises.

I saw on my credit report "regular" inquiries from: Capital 1, Wachovia, NCO financial, American General, TD Banknorth, Citibank, Wells Fargo, Credco, Cba, Commerce, HSBC, Bank of America... the list goes on. Some of these like citi, american general, capital 1, and BofA were requested 3 and 4 times each.

Three different cards were ordered, and the credit lines were opened. HSBC, Household Bank, and First Premier. I didn't realize until January when I pulled my credit reports. I had them closed and thats when I subscribed to lifelock. I have fraud alerts on Equifax, Experian, and Transunion... and also had added in that before any credit is opened, they have to call me at a certain phone number IN ADDITION to all of their procedures to verify my identity.

Would I dispute this with the CRA's, or the inquiring creditor(s)? How should I, and what should I say?

[Anonymous]

Police report-

ftc affidavit of fraud http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf

You already have the FA's even though you could have put them in place for free- IMO life Lock is a joke.

Contact the fraud department of all of these creditors-

DOCUMENT EVERYTHING-

[Anonymous]

 A car dealership had done a hard inquiry on my CR. I disputed it with Equifax and nothing happened....I went to the dealership and  threatened to sue them.....the Manager wrote a letter stating that it was done in error.  I sent it to Equifax and they removed it.

[Anonymous]

Mine wasnt for a car though, I dont think at least. It looks like everywhere! How long does an inquiry stay on your file?

[Anonymous]

It counts for 1 year but remains on your cr's for 2 years.

[Anonymous]

Well, thats just wonderful. haha

[thotgal320]

Happydays has a letter that is posted under How can they do this?  I had a couple of inquries in January for companies I didn't apply for credit I think you should check it out.  Good stuff here.  Hopefully it will help you I know I plan on using it.