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Taffy
Joined: 23 Feb 2009
Taffy's page
Posts: 28
1174 Magic Points
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Subject: Hard Inquiry on your Credit report
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Sun Mar 29, 2009 3:30 pm
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if you have a Hard inquiry and have sent a letter for them to have it removed and write back and say you applied for a Credit Card on line and this is why we checked your Credit Report but do not send any proof back with your letter which stated to send back proof what will the Equifax , Trans union or Experian say to this?
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Taffy
Looking for the light at the end of the tunnel. |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Mon Mar 30, 2009 8:54 am
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You can try to get the hard inquiry removed from your credit report by disputing it with the credit bureaus if you are sure that you did not apply for a new line of credit. The bureaus will get it verified and get it removed from your report.
You can send them a second letter asking them for the proof that you applied for the credit card online. You may also threaten them in writing that you will complain against them to the State Banking Commission and the FTC if they fail to verify your authorization.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1334
1 Magic Points
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Subject: credit
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Mon Mar 30, 2009 10:12 am
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| SCOTT..........do you take the same 'approach' here?..I mean when you Dispute items with a CA, they have 30 days to respond. Is it the same with someone/company who made a Hard Inquiry..you have to give them so many days? |
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GarySnober
Joined: 08 Apr 2009
GarySnober's page
Posts: 67
6 Magic Points
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Thu Apr 09, 2009 3:17 am
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| Hi yes scott is correct you can contact the credit bureau directly and file a dispute with them. This is the best way at doing this. |
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internet15
Joined: 16 Apr 2009
internet15's page
Posts: 51
2439 Magic Points
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Thu Apr 30, 2009 10:23 am
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A hard pull on a credit report is different. It does affect your credit score. Anytime that you are actually getting a loan or a new credit card, the lender conducts a hard pull on your credit report. This stays on the record. It also lowers your credit score by about five points for six months. For this reason, it is important to guard your credit report from too many hard pulls. If you get a store credit card just to save 10 percent on a single purchase, you have hurt your credit score. That is probably not worth the 10 percent savings. Some banks even use a hard pull if you are opening a savings account, so be sure to check your potential bank’s policy. Additionally, the incentives that credit card companies offer for signing up may not be worth the hit to your credit score.
An inquiry is a record of someone checking your credit information. Inquiries come in two distinct categories: "hard inquiries" that occur when a business views your credit report for the purpose of an application and "soft inquiries" that occur when your credit is checked for other reasons. If you apply for a new credit card, a hard inquiry record will appear on your credit report and may impact your credit. When you check your own credit report, or when it is checked for a pre-approved marketing purpose, it is considered a soft inquiry and will not harm your credit score.
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Medwards
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Subject: removing hard inquiries?
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Tue Jun 16, 2009 9:07 pm
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I've tried to contact the creditors that pull my credit report with out me authorizing it. they told me they can not remove it. I have to dispute it with the credit bureaus and they will do there investigation. on the other hand the credit bureaus are saying I need to call or send a letter to the creditors first and what ever result i get to send it to the credit bureaus. can anyone please help me. thanks Medwards.
medwards121203@comcast.net |
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