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HomeCredit ForumCredit repair

Sample letter (Bureau): Removal of unauthorized inquiry

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goodnatured



Joined: 03 Nov 2007
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Posts: 3137



5332 Magic Points
 
 Posted on Mon May 26, 2008 5:19 pm  
I don't think so, still nothing
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Goodnatured,

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

Mary

Joined: 06 Jul 2006
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Posts: 324



8704 Magic Points
 
 Posted on Tue May 27, 2008 8:35 am  
I think we should decide on the topics which should be there in the article section for the help of forum members. We can directly post our needs through messages in the forum. I think, we ourselves can write articles and post it in the forum too.
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Where there's a will, there's a way !!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2858



1966 Magic Points
 
 Posted on Mon Jul 28, 2008 3:02 pm  
Oh well. Maybe you will get your answer another way.
 
jerry
Guest
Subject: unauthorized inquieries
 
 Posted on Tue Jul 29, 2008 9:33 pm  
can the company that inadvertently pulled your credit report several times (auto dealer accidently sent to several lenders. thinking it was another client. miscommunication at the dealership) how do they do that
 
fireyone



Joined: 26 Feb 2008
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Posts: 2858



1966 Magic Points
 
 Posted on Wed Jul 30, 2008 11:34 am  
Probaly some mix up at their office. Were you there also for a car loan? If not I would inquire about it at the car lot and ask why they ran your credit without your consent. You would have to consent to have your credit pulled. If it was their error see what they can do to rectify the situation and also contact the credit bureau and explain this was done in error and tell them what the car company said.
 
Mary

Mary

Joined: 06 Jul 2006
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Posts: 324



8704 Magic Points
 
 Posted on Thu Jul 31, 2008 7:16 am  
Hi Jerry
Each time the lender pulls up your credit report, it gets enlisted as a hard inquiry. Each hard inquiry lowers your credit score by as much as 5 points. However these hard inquiries are not valid until they get authorization from you to perform such inquiries as per the FDCP Act. So you can send a letter to the inquirer asking them to remove the hard inquiry listing from the credit report or verify your authorization. This is because if this listing remains in your credit report, it will adversely affect your credit score. In most cases these inquirers simply delete this listing because they cannot verify your authorization.
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Where there's a will, there's a way !!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2858



1966 Magic Points
 
 Posted on Thu Jul 31, 2008 1:11 pm  
Mary Can the inquirer actually have the pull removed that easily?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3137



5332 Magic Points
 
 Posted on Mon Aug 04, 2008 11:25 pm  
Yes the one who made the inquiry can remove it simply by making the request.
_________________
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: 2858



1966 Magic Points
 
 Posted on Tue Aug 05, 2008 1:08 am  
Probaly would still take pulling teeth. One thing I have learned that it may be easy for people to do something simple but getting them to do it is usually an issue.
 
MCE
Guest
Subject: CREDIT BUREWO
 
 Posted on Tue Aug 05, 2008 10:49 am  
HOW TO REMOVE SOMEONE THERE
 
Mary

Mary

Joined: 06 Jul 2006
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Posts: 324



8704 Magic Points
 
 Posted on Tue Aug 05, 2008 1:19 pm  
Hi fireyone
The inquirers can easily remove the listing from your credit report by just making a simple request to the bureaus as goodnatured said. However they will only remove it, if it is unauthorized. Now if they don't remove the unauthorized hard inquiry listing from your credit report you may dispute the listing directly with the bureaus or you may even threaten the CA to complain against them to the State Banking Commission if they do not remove the unauthorized listing.
_________________
Where there's a will, there's a way !!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2858



1966 Magic Points
 
 Posted on Wed Aug 06, 2008 2:08 am  
Wow that really good info. I did not even know you could report them to the State Banking Commission. Actually I nevr even heard of such a thing. Thats something new I just learned and hope everyone else finds this info valuable also.
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Wed Aug 06, 2008 5:40 am  
There are many reporting entities out there that we as consumers can use to report abuse, we just have to find them and use them appropriately. The state banking commision in Pennsylvania has direct access to the attorney generals office and when those two get together for tea, somebody is going to answer some questions. These two are the ones that shut down the storefront payday loan vendors through out the state of pennsylvania. And they did it in a matter of months, they are all about protecting their consumers.
 
fireyone



Joined: 26 Feb 2008
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Posts: 2858



1966 Magic Points
 
 Posted on Fri Aug 08, 2008 1:17 am  
Does everything have to have a dollar sign?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3137



5332 Magic Points
 
 Posted on Sun Aug 10, 2008 5:15 am  
Hit it where it hurts most, in the wallet!!!

Erb,

I was in the Pa Dpet. of Banking, I pretty much got the same information.
_________________
Goodnatured,

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