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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: reply
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Fri Feb 12, 2010 6:36 am
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Hi Richard,
As much as I understand from your query, you are asking about the dispute letter. You can send the dispute letters to the creditors first,rather than sending it to the credit bureaus. However if the creditors doesn't comply, you can then send dispute letters to the credit bureaus. Your dispute letter should contain all the details of the account and the reason of your dispute should be strong enough, so that your dispute claim should not get canceled.
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joey
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Subject: questino
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Thu Mar 04, 2010 2:34 am
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| Do I send this to just the company who is doing the inquire or the credit union or both? Thx |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: removing inquiries
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Thu Mar 04, 2010 9:28 am
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Hi Joey,
You can send a letter to the creditors to remove the inquiries. You will be able to find a sample remove credit inquiry letter at http://www.creditmagic.org/letters/credit-inquiry.html .
However, if the creditor does not comply to your request, you can try for a second time. If they fail to remove the inquiries the second time too, you can try disputing these with the credit bureaus. All the letters should be sent through certified mail, requesting a return receipt.
Hope this helps.
Regards,
Aaron
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Gina
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Subject: Inquires
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Tue Mar 30, 2010 3:39 pm
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Good Morning,
I have about 6 inquiries on my credit report that i did trying to get some cc. How can I remove them? or will the inquires stays for 2 years?
Help!!!! |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: inquiries
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Wed Mar 31, 2010 11:06 am
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Hi Gina,
Most of the hard inquiries stay on your credit report for two year. If you were aware of the credit inquiries being made, then I am afraid they cannot be removed. However, if you weren't aware of the inquiries, you can file a dispute to remove the inquiries from your report.
Thanks,
Aaron
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ladylaury
Joined: 07 Apr 2010
ladylaury's page
Posts: 4
46 Magic Points
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Wed Apr 07, 2010 5:34 am
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| I have 52 hard inquiries on my credit report dating back to 2008. Some I am familiar with but alot of them I am not. It would be costly to send certified letters to each one. Some of them used one or more credit agency. How should I go about getting some of these removed? |
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pwsolutions
Joined: 07 Apr 2010
pwsolutions's page
Posts: 1
10 Magic Points
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Wed Apr 07, 2010 5:41 am
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Thank you for sharing with us such a great information in which you are telling me for credit repair and its all procedure.
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Credit Repair |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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toota
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Subject: authorized hard inquiries
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Sun Apr 11, 2010 7:27 am
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| i went to both macy's and kohls to purches and the employers asked me if i wanna get their card without educating me,,,i thought it's something good to have macy's,kohls or old navy's credit card,,,what should i do now???please advice |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: credit cards
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Mon Apr 12, 2010 12:01 pm
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Hi Toota,
Can you be more clear on what exactly you want to know? Is it about removing hard inquiries? If so, then you may not be able to remove the hard inquiry, because you were aware of it. As for the credit card, whether or you are going to take it depends on various options. You should first check the reliability of the card in the market. Then you should try to know the interest rate, the Annual Percentage Rate (APR), balance transfer rate, whether or not the rate varies from time to time, etc.
Hope this helps,
Regards,
Aaron
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Guest
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Subject: Inquiry removed
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Sun Apr 18, 2010 4:42 pm
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I have been told by all 3 bureaus that they don't remove inquiries. They said must contact the agency who said you didnt apply for credit with and have them remove it. I think its bull. What should I do next ?
Bruce |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: inquiry removed
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Mon Apr 19, 2010 10:01 am
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Hi Guest,
Can you tell me whether or not this inquiry was done without your knowledge? If it was done without your knowledge, you can first try to dispute the hard inquiry with the creditor itself. Send the dispute letter through certified mail, requesting a return receipt. If they don't comply to your request, you can then send certified dispute letter to the credit bureaus.
Hope this helps.
Regards,
Aaron
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benben7
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Subject: Inquiry question
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Thu Apr 29, 2010 10:30 pm
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| can a hard inquiry be changed from a hard to soft? For example I applied to open a bank account and they did a hard inquiry. Can this be changed to a soft one. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: hard and soft inquiry
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Fri Apr 30, 2010 11:58 am
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Hi Benben,
No a hard inquiry cannot be changed to a sift inquiry. Every time you apply for a loan, or a credit card, the lender or the credit card company will run a check on your credit report. This is known as hard inquiry. When you pull your credit report, it is known as the soft pull or soft inquiry.
Hard inquiries can stay on your credit report for 2 years, and can hurt your score by 2-10 points.
Thanks,
Aaron
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Belinda
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Subject: Hard Inquiry
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Thu Jul 15, 2010 7:08 am
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| After paying off the Collection Agency with the amount they said that I owed..they then turned around and request transunion my credit report w/c was Hard Inquiry...is this legal |
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