Kmathies-
Inquiries-
Send a letter to both the OC and the credit bureau. Use the address on the credit report. The letter to the OC should go something like this..
Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of Equifax/Ex/TU ( which ever one its on) ss#, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. The inquiry was placed on my consumer file on this date:
03/2012
If you can not provide such documentation, you are obligated to remove the offending inquiry at once.
Sincerely,
Me
To the credit bureau:
Dear EQ/,EX/TU,
It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer's credit report.
Demonstrate that the hard inquiry for (creditor) dated March 2012 met this requirement, pursuant to the Act. My Social Security number is :
Otherwise rescind the errant notation immediately.
Sincerely,
Me
CS 728- 01/13 from 554-12/11
Goal: 800