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Dear American Express, I recently received a copy of my Experian credit report

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miss
Guest






Subject: w-2
 
Posted on Tue Jan 06, 2009 9:54 pm  

where can I get a copy of my w-2 from for 2005
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Wed Jan 07, 2009 12:43 am  

Hi miss, How have you had your taxes prepared for that year? You may be able to get a copy from your income tax preparation company. We always have ours done through a private accountant and he keeps all our records on file. Other than that I do not know. Someone else may be around to help you out better. What is the reason you need a copy of the w-2 form? Maybe we can help tyou out that way too. Let us know.
Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 178
Location: McKinney, TX


1302 Magic Points

 
Posted on Wed Jan 07, 2009 1:14 am  

At the very least, you can get the IRS to send it to you. Call them, and tell them you need a transcript for that year... They'll send it to you, but it'll likely take several weeks...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site...
http://www.omegacreditrepair.com
You can also get tons of information here!
http://www.doccompton.com
pumpkinontheway



Joined: 20 Jan 2009
pumpkinontheway's page
Posts: 7



322 Magic Points

Subject: Soft Inquiries?
 
Posted on Tue Jan 20, 2009 9:25 pm  

Do soft inquiries affect your score or credit worthiness at all?
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 446



10890 Magic Points

 
Posted on Wed Jan 21, 2009 10:05 am  

Hi Pumpkin
Soft inquiries never affect your credit score and you can do as many soft inquiries you want. Soft inquiry is pulling out your credit report for yourself. However, you can get only one free copy of your credit report from each of the three credit bureaus once a year, rest you have to purchase. Only hard inquiries affect your credit score and they stay in your credit report for two years.
_________________
SCOTT

Use your credit account responsibly and enjoy a debt free life.
Joshua
Guest






 
Posted on Sun Feb 01, 2009 4:56 am  

How do I find the contact information for the company making the inquiry on my credit report? Should I ask the CRA or just google them and send them the letter to their main contact address?
Guest







 
Posted on Wed Feb 04, 2009 5:37 am  

Prepare letters to each inquiring creditor asking them to remove their inquiry. The Fair Credit Reporting Act allows only authorized inquiries to appear on the consumer credit report. You must challenge whether the inquiring creditor had proper authorization to pull your credit file.
Your letter can go something like this:




Re: Unauthorized Credit Inquiry

Dear American Express,

I recently received a copy of my Experian credit report. The credit
report showed a credit inquiry by your company that I do not recall
authorizing. I understand that you shouldn't be allowed to put an
inquiry on my file unless I have authorized it. Please have this
inquiry removed from my credit file because it is making it very
difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt
response to this issue. Please be so kind as to forward me
documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to
inquire into my credit report, then please send me proof of this.

Thanking you in advance,


Jane Caveat-Debtor
creditpro



Joined: 16 Oct 2008
creditpro's page
Posts: 21
Location: San Diego, CA


1255 Magic Points

Subject: Inquiry Removal...
 
Posted on Wed Feb 04, 2009 6:38 am  

I can help remove inquiries through my services. Visit http://www.AttractiveCredit.com and call or a free consultation.
_________________
www.AttractiveCredit.com "Professional Credit Repair Services" Or "Self Help eCourse"
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firefly23



Joined: 11 Feb 2009
firefly23's page
Posts: 4



262 Magic Points

 
Posted on Wed Feb 11, 2009 10:19 pm  

What's the difference between a hard inquiry and a soft inquiry? I just ran my TransUnion score, and I have a TON of "pre-screened" inquiries. At the bottom of my score, it told me that I had a lower score (683) because of lot of inquiries, as well as the fact that I haven't had my credit score for long. I only have two inquiries, both of them housing, that I would count as hard inquiry. I don't know what to do!
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Life is not about discovering yourself.
Life is about creating yourself.
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 684



17426 Magic Points

 
Posted on Thu Feb 12, 2009 12:57 pm  

Hi firefly
Whenever you apply for a new line of credit, the creditors pull out your credit report to judge your creditworthiness. This is known as hard inquiry and it lowers your credit score. Hard inquiries if authorized by you, remains on your credit report for 2 years. However, if you did not authorize your creditor to make hard inquiry in your report, it can be removed.
When you pull out your credit report by yourself to check your credit, it is known as soft inquiry and it does not affect your score.
_________________
Where there's a will, there's a way !!
Guest







 
Posted on Thu Feb 12, 2009 6:27 pm  

Mary,

I didn't authorize any of these inquiries, and they all say they don't affect my score, but then my credit analysis said I had too many inquiries. Is 2 too many inquiries??
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 446



10890 Magic Points

 
Posted on Fri Feb 13, 2009 12:48 pm  

No, there can be two hard inquiries in your report and it may lower your score by a maximum of 10 to 20 points. If you did not authorize a hard inquiry, you can send letter to the inquirers asking them either to verify your authorization or remove the inquiry from your report. Most creditors generally remove the inquiry from your credit report. You can find a sample letter to remove hard inquiry if you visit the link letters of credit
_________________
SCOTT

Use your credit account responsibly and enjoy a debt free life.
Guest







 
Posted on Thu Apr 02, 2009 5:09 pm  

I have a creditor who has pulled my account 8 times in the last 15 months, I feel this is excessive. I know they have access to my credit because I still owe money to them, but I dont think they should have that much access to my credit information. Also, if I dispute these inquiries are they obligated to remove any of them?
curious
Guest






Subject: inquiries
 
Posted on Sun Apr 12, 2009 3:54 am  

I was told I could have inquiries [for ex. car dealership excessive inquiries] taken off of my credit report. Is this true?? If so, what needs to be done?
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Mon Apr 13, 2009 8:26 am  

Hi Curious
Yes, it is true that you can remove the hard inquiry listing from your credit report provided it is unauthorized. Whenever you apply for a new line of credit, you authorizes your creditor to pull out your credit report. This is known as hard inquiry and it stays there on your report for two years and affect your credit score. However, if it is unauthorized, you can easily remove it from your report by sending a letter to the inquirer. You can find sample letters if you visit the link letters of credit.
_________________
Keep in touch
Carol

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