@Stugotsv10 wrote:
I'm sure this has been discussed plenty of times here but I find no matter how good the letter is the Bureaus always say the same thing "We can not remove Inquiries" even if they are PURE fraud..... So what is a WORKING method? I heard an insane one yesterday to write it in colored marker to make it unique? LOL like is there where we have to take this now? LOL
Who has success stories or working methods?
Thanks so much
I have had success with Equifax when it comes to removing inquiries. (more success in general with them lately with other disputes as well). If the inquiries are a result of fraud, unauthorized or another issue that warrants removal, then the Bureaus have to remove. There are two major structural problems with all 3bureaus; the employees are miserably uneducated when it comes to the most basic aspects of credit reporting, and the entities are grossly inefficient because they have a sort of monoply.
Equifax allows you to dispute online and this system is efficient; you can even dispute inquiries!! However, the more efficient method - yes even for disputing inquiries - would be to send a letter via certified mail returned receipt. Be brief and explain why they should be removed "immediately". If the inquiry is inaccurate based on any aspect of FCRA it has to be removed. (don't use an online template letter; make it your own and make it clear, to the point.
I was once told that they cannot remove them until the 2 year mark, but that is not true.
Good luck!
