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Merging Credit inquirys with accounts

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CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 271



1751 Magic Points
Subject: Merging Credit inquirys with accounts
 
 Posted on Tue May 20, 2008 5:04 am  
I was doing some research on what I could do about hard inquirys when I came across this article by Tim Irish. Now I am taking this with a grain of salt since he is selling a credit repair system and he did leave out the most important information but, I figured I'd post the article and see what you guys knew about this. Very Happy


How To Delete Inquiries From Your Credit Report
By Tim Irish



The system detected duplicate content and so it turned it into an image.
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anthony

anthony

Joined: 31 Jul 2006
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Posts: 254



6830 Magic Points
 
 Posted on Wed May 21, 2008 9:13 am  
Hard inquiries are done whenever you apply for a new credit. It remains on the credit report for two years has a negative impact on your credit score as it shows how much you are credit hungry. If you do not want to keep these inquiries in your report for two years you can try the following:
- first figure out which inquiries are coming on your way and then ask for your credit reports from the CRA's
- After getting the report, find out the addresses of your credit inquirers and send letters to the creditors to remove the inquiry from your report
- FCRA allows only authorized inquiries to appear on your credit report and so you can ask them whether they have proper authorization to pull up your credit file. If they have any authorization, check the authorization that you have signed.
- If it is a deceptive and unclear authorization, you can threaten them to take the matter to the State Banking Commission if they do not remove the inquiry
- Most creditors delete the inquiry as a courtesy or because they cannot verify your authorization.

It may be noted that not all credit inquiries are removed. In this way few gets removed which will bring you to a more favorable condition.
-
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Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 271



1751 Magic Points
 
 Posted on Wed May 21, 2008 7:41 pm  
Yes, I am aware of that but, what I was curious about is if the article is correct that you can merge your hard inquiry and the trade line it then opens. The only inquiry I have on my CR is from a credit card I opened last year. My question is: is this article correct that I can merge the inquiry with the tradeline on my CR and If so how do I do it?
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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bill
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Subject: LaWtmANIcG
 
 Posted on Wed Jul 23, 2008 1:30 am  
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CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 271



1751 Magic Points
 
 Posted on Wed Jul 23, 2008 8:39 am  
well said
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****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net
 
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