It's been awhile since I've spent some time on this board, but after reviewing all the old posts, and recalling some of my repair activity from 4 years ago, I've found a few things have changed... (so thanks for your patience) This question pertains to Experian credit inquiries: On Experian's online credit report, it shows I have 20 credit inquiries, all coming from collection agencies, current accounts, etc. I have not applied for credit, and should show NONE on my report. According to the reasons negatively affecting my credit, it states I have too many inquiries - which tells me they are hard inquiries, and not soft (since the online report doesn't differentiate) How do you dispute these inquiries and have them removed?
You can't and you won't . . . after all, they're a "statement of fact." Seriously, there is no way to remove them unless you jump through hoops, lie, beg, plead, or sue. It's not worth it . . .
Just curious.... do you have some previous outstanding collections? If so how often are the CA's pulling hards on you? And which of your current accts are pulling hard inquiries? Any current delinquincies on those? I may well be wrong but I thought that current accts usually pull soft inquiries on your report. I get softs about every month on some of my major cards that are in good standing. I even got a soft a few monthes ago from a CA from several years ago that was IIB. I got one hard in October from a previous debt that I was sent a 1099 on in 2004. I called them and said what the hey? and it turned out they had no record of issuing the 1099. If your current accounts are in good standing why not call them and ask why are they eyeballing you and did they pull a soft inquiry or a hard one? That said Experian is the devil about inquiries, they stick like glue, can't bump em any like TU or Equifax & if you dispute a valid one you risk a fraud alert, security freeze, loss of TL etc etc Just seems strange to me that you would have that many hard inquiries. I have gotton to where I don't apply for anything that pulls Exp if I can help it. Tegleg
I'd get the hard copy of your report from Experian first, and see what are hards and what are softs. That's one reason to always get the copy directly from the bureau and not the trimerge you get with the monitoring service. You need to know exact what inquiries are hard and what are soft before you go getting upset. They always list a certain number of things that are pulling down your score. If you don't have much else affecting it, and you have one inquiry, it could be "too many" because there is nothing else to report. So get the report directly from Experian and see what's going on.
Most are collection agencies, where previous debt has been sold or written off, and a new agency is pulling credit. Some of them once per month. I'm not attempting to call them to challenge yet, since I'm just now starting down the clean up path. All of my good accounts are not pulling hards. I don't have delinquencies on the good tradelines, just the CO cc accts.
I thought one of the reasons for one to get the three in one credit reports on line is to bump them off , now I am very confused. ??? Woofer
That only worked with TransUnion. Equifax let you dispute them and some would fall off. Experian's, however, seem to be carved in stone.
Experian doesn't designate between hards and softs on their consumer reports I guess that's another good thing about trimerges. You will know what EX is coding as hards, as these will appear on a trimerge.
