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removing hard inquires from experian and transunion

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erongella

Joined: 07 Apr 2009
erongella's page
Posts: 1

34 Magic Points

Subject: removing hard inquires from experian and transunion

Tue Apr 07, 2009 2:10 pm

Do any one know how to remove hard inquires from trans union and experian.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Wed Apr 08, 2009 7:28 am

You can only remove unauthorized hard inquiries from your credit report. However, if the inquiry is authorized, it will stay there in your credit report for two years and it cannot be removed before that period.
Now, if it is unauthorized, you should send a letter to the inquirer asking them either to remove the inquiry from your report or to verify your authorization. In most cases the inquirer remove the item from your credit report if they cannot verify your authorization.

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

Wed Apr 08, 2009 9:09 am

Yes, should send letters to the inquirers asking them to remove the inquiry. You may also threaten them that you may complain to the State Banking Commission if they fail to remove the inquiry form your credit report. To find sample letters, you may visit the link letters of credit.
_________________
All the Best Smile

Justin

GarySnober

Joined: 08 Apr 2009
GarySnober's page
Posts: 67

6 Magic Points

Wed Apr 08, 2009 3:13 pm

Authorized ones cannot be removed from credit they will go away on there own after 2 years. Anyones that you didnt authorize yes they are correct above me you can file for them to be removed from your credit report.

Michael Lach
Guest

Subject: Inquiry removal

Fri Sep 25, 2009 9:34 pm

I have used an inquiry removal and credit repair site that is a non-profit before. RemoveMyCreditInquiries.org They charged only $15 to remove inquiries and late comments off of my credit report. My FICO score went up by 40 points after I removed hard inquiries.

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