8 Inquiries Removed

I just looked through my EQF report and wanted to share...8 inquires deleted....pretty cool...could be why I made the 600 club this month.

 

Ya it was Equifax, 8 from the past year!...they were no were near the two year mark. I didn't dispute through equifax, I wrote letters directly to the inquirer stating I didn't authorize the inquiry...I used a sample letter from creditmania.com....I had two come off my first round (this was my second) and again directly to the company except in the second letter I stated it was my second request and it was rediculous not to comply...BTW a little deeper I did cross reference between all three bureaus...I'm goning to do another round #3, inquiries I do on my own...Lex has been doing the rest...for now anyway, I think this is their last month for me....

 

I sent out about a dozen letters stating to the company(that I did not have an account with) that I saw their inquiry on my credit report and that it was not authorized by me and under fair credit reporting they had to remove it...MBNA requested a copy from my credit report showing the inquiry and asked I fax it them...then they removed it...First USA did the same...asked for a copy of my credit report showing the inquiry....and make sure, which I didn't do the first time, is to include the exact date the inquiry took place. I think from my short experience that the second round of letters is more effective...every letter I've sent thus far has been responded to...hope this helps.