I'm trying to educate myself on my credit report, and fix some problems with it, and hopefully raise my score. Different reports are showing various hard inquiries, and I'm wondering if I should even bother fixing them.
TransUnion is showing 1 inquiry:
| August 31, 2009 | Qwest Land-Line |
I can't remember authorizing Qwest to do a credit inquiry. This was about the time I looked at getting DirectTV and DSL through Qwest, but I never followed through. Is it worthwhile trying to get this removed, and would this be considered an authorized hard pull?
Equifax is showing 3 inquiries:
| February 17, 2010 | Usaa Sb |
| November 09, 2009 | C Schwab |
| November 09, 2009 | C Schwab |
The USAA is valid, I applied for an auto loan.
The 2 Schwab inquires I believe are asscociated with me opening a brokerage account at Schwab. Same situation as above, I don't remember authorizing a hard pull, but is that authorization inherent to applying for a brokerage account? If not, is it even worth trying to get this moved to a soft pull?
Experian is showing 2 inquiries (report pulled directly from annualcreditreport.com)
One is a valid pull from American Express, the second is for NCO/Castle Marketing Group on 3/20/2009. Its showing as a real estate loan. I never applied for any type of real estate loan, and don't even recognize the lender. Is it worth disputing this?
Can applying for any sort of bank account (such as brokerage) mean a hard pull is authorized? For just a few inquiries, are you better off just leaving them? Of all the ones listed above, only the 1 showing on Experian is something I truly believe is flat out wrong.
