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HomeCredit ForumCredit repair

Sample letter (Creditor): Removal of unauthorized inquiry

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Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409



34292 Magic Points
 
 Posted on Fri Dec 14, 2007 9:58 am  
Hi Usestaubs,

Here we discuss in English and you are welcome to do so. We can explain if you have any difficulty. Smile
_________________
Regards,
Laura.
 
TSACGIV
Guest
 
 Posted on Thu Dec 20, 2007 12:10 am  
LAURA YOU REALLY ARE A FANTASTIC GUARDIAN ANGEL.
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409



34292 Magic Points
 
 Posted on Thu Dec 20, 2007 5:12 am  
Thanks a lot TSA. Can I know the reason of this appreciation?
_________________
Regards,
Laura.
 
SunDevilsFan



Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 194
Location: Sunny Arizona


6594 Magic Points
 
 Posted on Mon Dec 31, 2007 3:49 am  
Thanks for the information Candiceann.... I have often considered faxing everything instead of certified....
 
guest
Guest
Subject: mention "I am a victim of ID theft" ?
 
 Posted on Tue Feb 12, 2008 11:06 pm  
But what if you are a victim of ID theft? Shouldn't you mention that in your letter to have the unauthroized credit inquiry removed?
 
glassblower1
Guest
Subject: removal of inquiry
 
 Posted on Mon Mar 03, 2008 9:27 am  
I have read if you do a removal of inquiry they will put a frad alert on you CR
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Sat Mar 29, 2008 11:25 am  
Faxing gives you confirmation that they recieved it, but no signature, sending it certified, return reciept requested will get you the signature in hand.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Sat Mar 29, 2008 12:59 pm  
Is putting a fraud alert on your account good or bad? I have heard of this being done but never knew if it would give the creditor trouble in getting loans. At least it would be better than someone racking up bills under your name. Goodnatured makes a good point. Although faxing will give you a record of proof..you should really do it certified. That signature will hold up alot better.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Sun Mar 30, 2008 12:57 am  
Fraud alert is good but it will cost you right?
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Sun Mar 30, 2008 1:22 am  
That is what I am trying to figure out. Hope someone answers. I would like to know more about it.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Sun Mar 30, 2008 2:51 am  
If you go to any of the three credit reporting pages you will see that they all offer it for a price, there are different packages that you can buy, one has a credit rebuilding tool in it. Just go to any of the three, transunion, experian or equifax and you will see them all posted there.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Sun Mar 30, 2008 10:32 pm  
Sounds like some good advice. Maybe I will be surprised if I check my score. If there is a fee..how do you pay it...surely not by crdit card?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Mon Mar 31, 2008 2:44 am  
I think that you would be able to pay for it with your credit card, mac or any other card that has the master/visa logo on it. I would think that it would walk you right through the process on the webpage. Hope you get what you are looking for, a descent score.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Tue Apr 01, 2008 10:50 pm  
So do I. I imagine they would guiade you in the paymen t process. Still think I have to hold off. Right now I just started back to work and everything is nickeling and diming me before first pay. Exhaust went on truck...expensive!! The creit report may not cost much but right now it just has to wait. Should be able to do it in a couple more weeks. It will hold until then.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Sun Apr 06, 2008 11:27 pm  
You could demand all correspondence in any language you want when it comes to debt collection, you can only get this forum in english so far, you may want to pm the admin department and ask if you can have it in your language.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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