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So im attempting to clean up my credit account. I am a victim of identity theft from someone close to me. My question is, if they applied for a credit card with say Chase in 2020 and it was denied. But then in 2021 im approved for a Chase card, can i dispute the inquiries from 2020 without it affecting my open account from 2021?
Thank in advance.
You needed to file a police report and put fraud alerts with the bureaus using said report to get them removed. Don't know if there's a SoL on being able to do it.
Thanks for the response. I do have supporting documents for my case. Its just that i now have open accounts with those same companies. I dont plan on disputing the new inquiries, just the old ones.
Would disputing the old inquiries affect the new accounts if i dont dispute the new inquiries?
Since inquiries fall off in 2 years, and don't count for much after 1, why bother? The inquiry will be gone this year.
Gotcha. Thanks for that info
The inq's from 2020 are already gone from FICO scoring. They only count against you for 1 year.