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Sven
Joined: 22 Jun 2009
Sven's page
Posts: 63
1596 Magic Points
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Wed Jul 01, 2009 8:35 pm
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I find this letter to nice. Can I do the following... ?
If you believe that you posses sufficient document that supports your authorization to make the inquiry, you are required by the Fair Credit Reporting Act to send me proof so that I may verify its validity.
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deelite4316@hotmail.com
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Subject: credit report
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Wed Aug 19, 2009 4:11 pm
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| I am desperately trying to contact transunion.com. and can't seem to contact them.I am not sure how I ended up on your web site.earlier I contacted transunion to speak to someone. To make a long story short I believe that they are sending ma another credit report which I do not want .I need to stop this transaction.Can you help me? |
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Ruchit
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Subject: Inquiry approved but not the terms
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Fri Aug 28, 2009 2:26 pm
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Need ur help.
I was in discussion with a car dealer. We fixed up a price and I went to their website and did the application...
So basically, it was a valid inquiry as I went there and applied.
But after I applied, the dealer called... There was a misunderstanding and the price has been changed.
Now can I get rid of this inquiry?
I have the email (with the letterhead) explaining the total price.
He called me and informed about the price change,s o no records for that. But I do have the proof that within few minutes I called him and then sent him an email requesting him not to pull my credit file.
Can anything done for this? |
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hot to trot
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Subject: inquiries
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Sun Sep 06, 2009 5:24 pm
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I am trying to clean up my credit after a horrific auto accident that left me and everything else upside down.
This letter is good to start with, as I believe you must notify the people making the initial inquiry... and this letter is good, but in my way of thinking it falls VERY short.
I think you need to send a letter to those who were no authorized to do an inquiry CERTIFIED MAIL, Return Receipt.... you need PROOF that they recieved your letter... that way if they dont respond, you have them. what I am trying to figure out is when you tell the credit bureaus, and I saw something intesting which might work, which is why you need the certified mail, and this is expensive, but so is your credit report!!!
Once you get back the certified receipts is when I think you make a NICE pacakge.....make copies of all the letters you sent to the places requesting inquiries, show the proof of receipt and attach those to the letters (dont send ANY originals!!!!)..... with a cover letter and tell the credit bureaus to remove the listings.
There is very very little on this topic, but the reason there may be so little is that INQUIRIES are at the bottom of the list. They count if are recent because you might be trying to get credit, the older they are the less they mean, not to mention that they fall off in two years...... Did you know that Late Pays are more damaging than inquiries? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Sep 06, 2009 7:51 pm
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Great advice and how true that we do not think about inquires, did you know that there are actually two kind of inquiries, soft and hard.
the soft inquiries happen when you did NOT initiate anything, it may be some company looking for people who fit a certain criteria or income or score or etc. They may be looking to drum up business. Could also be a collector who recently purchased an old account and wants to know what you have been up to lately.
Hard inquiries are a result of you requesting some type of action, like a loan, a credit card or other type of credit that requires that you enter into a contract.
Just thought I would add this, as mentioned above these can all be removed and should be because they do have an affect on your score. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Tue Sep 08, 2009 12:54 pm
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| I still have trouble with the soft inquires and understanding them. Does this mean any person or credit card company looking to loan someone money or advance them credit can pull your report? We must get ten credit card applications saying we are prequalified a month. We never do anything to initiate them or even ask for credit. Do they just go into your information anytime they like causing these soft inquires? How is that legal? Is there a way to stop soft inquires? How long do they stay on your report? Sorry for all the questions but I am trying to understand this better. |
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Cassie Wolder
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Subject: Inquiry Removal
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Fri Sep 25, 2009 4:47 am
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| RemoveMyCreditInquiries.org is a non-profit credit repair site I found that charged only $15 to remove my credit inquiries and late comments. My FICO score went up 15 points after 3 weeks with only one inquiry removal. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Fri Sep 25, 2009 6:41 am
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cassie
Thats really interesting
Can you share more details about yoru experiance with this compnay |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Sep 27, 2009 2:01 pm
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You can actually do this on your own, just pull your report and write yourself up a letter of dispute and send it to the credit reporting agencies.
If you have not applied (soft inquiry) for the credit that is on the inquiry it will fall off pretty quickly with the dispute letter, if you have applied (hard inquiry) then it will fall off in about six months. Sometimes hard inquiries will come off with a letter of dispute as well, always worth a shot. |
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Guest
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Subject: Credit Inquiry
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Wed Oct 14, 2009 9:09 pm
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Help!
I sent a "certified"letter to a car dealership because an inquiry from the dealership showed up on my credit report. Yes, unauthorized! Today, I received a letter back from the car dealership, they are now requesting that I provide them with copy of my credit report, proof of the date for the inquiry, credit bureau information, and any other information I can provide them. What? Are you serious?
Do I have to supply the dealership all this informaiton?
Thanks in advance!
PS if you have rules/regulations pertaining to my question...this would be even better. |
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