How to remove Transunion inquiries?

Discussion in 'Credit Talk' started by pweber, Jan 23, 2002.

  1. pweber

    pweber Member

    For those who have been successful in getting their Transunion inquiries removed, what was the process you followed?

    I have tried several times and have received the standard "...inquiries remain for two years...." letter.

    Thanks in advance
     
  2. newstdt

    newstdt Well-Known Member

    There have just been a couple of threads on this recently. Do a search for Transunion inquiries and you should find them.
     
  3. NCGolfer

    NCGolfer Well-Known Member

    I recently found a general letter somewhere on the internet. I sent that CRRR and voila..They were all deleted on TU. I think there were 9 inquiries. Equifax is another story though.
     
  4. tommyy

    tommyy Well-Known Member

    I used a Inquiry dispute letter off of Creditmania.com and sent it directly to the company that pulled the inquiry. On experian and TU 4out of 5 were removed within 6 weeks. I believe these company's got the letter and took them off my report because i never disputed any of them thru the CRA
     
  5. allamerath

    allamerath New Member

    Inquiry removal to booost fico fast

    Always start with inquiry removal. These items are much easier to remove than lates, collections and bankruptcy. By removing inquiries it makes you appear as less desperate as and a more viable person to lend money to according to creditors.
    Inquiries are those annoying times when creditors look at your credit report. Lots of time this is done without your knowledge or hidden in all those Terms & Services agreements. Since a lot of these inquiries are unwarranted and unauthorized it can also be just as big of a burden to remove these items. Doing it on your own is possible but very hard. Once the inquiries are removed it will raise your FICO score allowing you to get some leg room to negotiate with creditors on your other negative items, especially the farther they are in your past. Inquiry removal is much easier than late removal. Late comments on your credit report should only be handled by a professional, and as always be aware of credit repair scams!
    Beware of sites that offer 24 hour credit removal. That is a rapid re-score method that does not work. Avoid it as the inquiry will just show up again at a later date. We suggest you attempt these on your own or if you want true success you use a reputable non-profit. One we recommend is RemoveMyCreditInquiries.org credit repair, FICO repair inquiry removal late comment removal derogatory comment removal. By removing these inquiries you will see your FICO score raise an average of 8 points per each inquiry. Talk about a boost to your FICO score!
     
  6. Gabesdad78

    Gabesdad78 New Member

    Re: Inquiry removal to booost fico fast

    I have letters that I purchased for a decent price that removed almost all of my negative items including a bk. I have cleaned Equifax up and have no negatives on it. Experian and transunion are the only 2 left and I have only been doing it almost 2 months. So I know their is a way to remove the negatives and these letters were written by lawyers who specialize in the credit industry.
     
  7. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Re: Inquiry removal to booost fico fast

    Welcome to Creditnet Gabesdad78. I'm curious how you were able to remove the bankruptcy from your Equifax credit report, as that's not an easy thing to do since it's so easy for the CRA to verify the public record. Are you willing to share some more details regarding the process you went through and the communication used? Thanks!
     
  8. mijd

    mijd Well-Known Member

    Re: Inquiry removal to booost fico fast

    I'm curious too Gabesdad78, I've been researching this information on the internet since 2010. I've seen instances where BK have been removed by maybe one or two CBs 5 or 6 months early from the time they are due to age off.
     
  9. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Re: Inquiry removal to booost fico fast

    I guess Gabesdad78 unfortunately doesn't have any interest in coming back and sharing further information.

    Mijd- in the instances where you have seen bankruptcies removed early, did that occur due to individuals actually requesting removal or did the bankruptcies just magically fall off earlier than expected? Thanks!
     
  10. mijd

    mijd Well-Known Member

    Joshua, They didn't magically fall off, these individuals requested early removal.... 5 or 6 months prior to 10 years as both were CH7. Even though the individual requested removal from both, only one responded with a removal. I had a negative mortgage trade line (short sale) removed 7 years to the exact month from Equifax & TU (don't know about Experian) that magically fell off. I was told for negative remarks except for CH7 it is 7 and 1/2 months from the date of last payment. Unfortunately I think Gabesdad78 is misinformed.
    As to the OP's thread, I was told that after a year HP don't have a large impact on your CR and that they can be removed if they were done in error. SPs that I think Allamerath is referring to have no impact on your score. I don't believe and I could be wrong that lenders can't do an HP unless you authorize it???
     
  11. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    You're right. Technically, a hard pull should never be done unless you authorize it first. Unfortunately, a lot of people authorize the hard pull without even realizing it. I still run into people all the time that don't realize an online credit card application automatically generates a hard pull. Then when they happen to get denied the credit card, they get upset about the hard pull and want it removed. Of course, that's not easy to do given the legitimate reason for the hard pull.

    Thanks for the info. on the bankruptcies and your short sale too. It's much appreciated.
     
  12. buckleyc44

    buckleyc44 New Member

    Re: Inquiry removal to booost fico fast

    Can you tell me what you did?
     
  13. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Re: Inquiry removal to booost fico fast

    Welcome to Creditnet buckley! To whom are you directing your question?
     

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