Just got an updated report from Trans-union, flipped to the inquiries and got this big suprise..a ton of inq. and I'm trying to see if I can get some deleted or at the least how not to have this happen again. Applied for car financing at a dealership, thinking it would just be them, well they apparently tried to get it at 4 places and all of them are listed separately.Winterbird, found this info on the site I posted about credit scoring. Hope it helps...Step 1 First, find out which credit inquiries are getting in your way. Order all three of your credit reports. (See Order Your Credit Reports: http://www.creditinfocenter.com/creditreports/CreditBureauContactInfohtm.shtml ) When your reports arrive, look toward the end of your credit report to find the inquiries. Some of the inquiries are only promotional and will not be shown to prospective credit grantors. You need not worry about those. Identify only the inquiries that are shown to credit grantors. You should recognize some of these as places where you applied for credit, but others may be a complete mystery to you. Step 2Find the addresses for each credit inquirer. Your TRW credit report will list addresses for each. Your Trans Union and Equifax reports will not include addresses. Match your TRW with your Trans Union and Equifax reports. You should be able to use the same addresses on the inquirers that are listed on TRW. If some of the inquirers don't show up on TRW but do show up on either Trans Union or Equifax, you will have to call the credit bureau to get their address. It is almost impossible to get a live body on the telephone at Trans Union, but Equifax has an 800 number listed at the top of their reports. If you have a inquirer on your Trans Union and you can't reach Trans Union by phone, you might try calling the 800 directory (1-800-555-1212) and request the 800 number for the inquiring creditor. Once you have collected all of the addresses for each inquiring creditor on each credit report, you are ready for step three. Step 3 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. Our sample letter to remove inquiries can be found here: http://www.creditinfocenter.com/forms/sampleletter4.shtmlStep 4 Some of your creditors may provide documentation that a credit inquiry was authorized by you. Read the authorization that you signed very carefully. If there is any ambiguity, you can write back and argue that the inquirer's authorization form was too complicated and not easily understood by the layman. You can threaten to contact the State Banking Commission and complain about a deceptive and unclear authorization form if they don't remove your inquiry. Some creditors will try to ignore your challenge. Be sure to send each letter Certified Mail Return Receipt Requested and keep close track of the time that you sent the letter. If the inquiring creditor doesn't respond within about thirty days, you will have ample grounds to call the inquiring creditor and demand some action. At that point, it's almost irrelevant whether or not you authorized the inquiry. Now the issue becomes the creditor's lack of response to a consumer dispute. Be sure to hold your ground. Demand that the inquiry be removed immediately or you will complain to the State Banking Commission or similar authorities. Many of your inquiring creditors may simply agree to delete the inquiry as a courtesy or because they cannot (or will not) verify your authorization. That is the goal. Remember, it is not likely that you will need all of your credit inquiries removed -- just enough of them to keep you from being denied credit.Hope you find it useful...Rogue
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