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jeremyjelder
Joined: 17 Jun 2009
jeremyjelder's page
Posts: 6
228 Magic Points
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Subject: Challenging Hard Inquiry Authorizations
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Wed Jun 17, 2009 2:18 am
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I ordered my TransUnion and Equifax reports for the first time today and am reading up on the difference between hard/soft inquiries. I'm in Ontario, Canada, by the way.
Both reports show different organizations and dates, some of which I recognize and some I don't.
1. As I understand, my next step is to send a certified letter to these creditors asking they provide me written confirmation that I authorized the hard pulls.
2. Is it worth sending letters to each (even ones that I think may be valid, but which I don't remember)? If they don't sent me written proof of my authorization, even if it's possible that I did authorize it, can I still use their lack of sending me proof to get the hard inquiries pulled?
3. I'm having trouble finding how many years a hard inquiry stays on an Equifax report. I found on the TransUnion site that it's 6 years. On the Equifax report I have hard pulls longer than 2 years. Does anyone know?
Thanks for your time. |
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rachael
Joined: 11 May 2009
rachael's page
Posts: 234
6581 Magic Points
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Wed Jun 17, 2009 6:06 am
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Hi jeremy,
As far as I know, a hard inquiry stays on your credit report for 2 years. A hard inquiry can lower your score by 2 to 50 points. So removing a hard inquiry will surely increase your score. To remove multiple hard inquiries you will have to send a "Letter for Removal of Hard Inquiry", to each creditor listed on your credit report. Send your letter through certified mail, with a return receipt requested.
By doing this, you can definitely remove hard pulls from creditors you have not authorized. You may be successful in removing authorized hard inquiries as well, if the creditor is unable to verify them (in case the records are very old). The creditor should reply to your "Letter for Removal of Hard Inquiry" within 30 days, with a written proof that the inquiry was authorized by you. If you do not receive a reply within the 30 days, you can dispute with the bureaus to remove the inquiry, on the ground that the creditor was unable to verify the hard inquiry.
Using the above mentioned ways, you may not be able to remove all the hard inquiries. But even if you able to remove a few of them, it will have a positive impact on your credit report.
_________________
Looking forward to a debt-free life. |
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AMIT
Joined: 28 May 2009
AMIT's page
Posts: 9
371 Magic Points
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wayne6372
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Subject: you go online at the equifax site and have all your inquirie
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Sun Jun 28, 2009 8:50 pm
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Jeremy,
With equifax you can go line and dispute your inquiries and they will delete them usually with in 2 to 5 days.you will need a report number tho. I have had 26 inquirires remove from equifax. |
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HELP PR
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Subject: I WANT TO DELETE THE HARD INQUIRIES
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Sat Nov 28, 2009 12:19 am
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| DOES ANYONE KNOW IF IT BETTER TRY TO DISPUTE A HARD INQUIRIE SAYIN THAT YOU DIDN'T AUTHIRIZED IT OR SAYING THAT IS NOT MINE. PLEASE ANY ADVISE WILL BE GREAT. I DON'T KNOW IF IT IS ILEGAL TO LIE TO A CREDIT BUREAUS. YOU KNOW SOMETIME YOU RECOGNIZED THE INQUIRIES BUT YOU STILL WANT TOO DELETE THEM. |
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Tanner
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Subject: Hard inquiry
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Thu Sep 16, 2010 5:07 pm
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Hello All,
Recently I had 2 hard inquiries listed on my report from a collections agency.
I sent them a DV and they were not able to produce any information that I requested. I challenged the listing information with the CRA's and they immediatly removed (deleted) the listing.
Being that this debt was never valid did the collections agency ever have permissible purpose to pull my credit report? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: hard inquiry
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Fri Sep 17, 2010 9:36 am
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Hi Tanner,
I have answered to your query at http://www.creditmagic.org/report/hard-inquiry.html#52833 .
Hope that this will be of some help. If you have further queries, feel free to discuss in the forum.
Thanks,
Aaron
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Adrienne
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Subject: hard inquiry
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Tue Apr 12, 2011 4:30 pm
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I sent a letter certified mail to the collections agency that did a hard inquiry on my credit report without authorization. The sent me a letter back asking me to verify more personal information (ss#, DOB, etc.)
Should I provide them with this information?
Thanks,
Adrienne |
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b0SamueL0b
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Subject: TUAzGJKAljfTmZra
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Fri Sep 09, 2011 10:41 pm
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| +z$8frZdyL%68pSU/:>w<:E3.lG-!XIB |
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