Sign up for the $69.95 EQUIFAX CREDIT WATCH and click on "GET A NEW ONE" every day...after a while...all the EQUIFAX inquires at the top, will force the inquires (HARD and SOFT) to be DELETED... NOT 100% GUARANTEED...(and unknown how long it will work)... Got rid of another "HARD" and "SOFT" yesterday... https://www.econsumer.equifax.com/webapp/ConsumerProducts/pgConsumerProducts?
The deal is that it has just so much space available for inquires ("HARD" and "SOFT")...when you get 2 inquires per day...every day...it gets FULL real fast...then it MUST get rid of the ones at the bottom (OLDEST) so it can make more room... If you do any disputing that gives you even more inquires...and as long as you DON'T "OPT-OUT" PRM'S fill it up too...
I have no inquiries on my EQ report. I dispute them by phone no more than 2 at a time. I have never had a problem. Charlie
What do you tell them over the phone to have them remove the inquiries? Is there a standard message you have developed? Thanks, Gavenraj gsodhi1@cox.net
Just tell them you did not apply for credit with that company, therefore there is no permissiable purpose for them pulling your report. Please delete.
shh, yes the Equifax report a day makes old Hard inquiries fall off. Don't let the secret out. It took me awhile to figure out what people were talking about, but a report a day keeps a few hard inquiries away.
Is there a period of time where you can't get your report online, before they start removing the inquiries?
Breeze, I received the same message the other day (Error 45D). I had been pulling my report daily. I've already spoken to 2 reps and a supervisor and they claim the only solution is that "I can't pull my report online anymore". That's BS! I want to get a group of people together who are receiving this message. I smell a class action... This clearly goes against their advertised service. They need to update their system to handle their own inquiries so no one gets locked out of accessing their report. I'm giving them until the end of the week to fix my situation or I'm contacting Clark Howard. I think he'll be interested in my story. I think DaveLV received this message as well. Let's work together and see what we can do!
get this, after I pulled my report, yesterday, it kept telling me that I could not pull another. It took 20 tries for it to allow me to pull a report a day after I pulled the initial one. They are getting wise, or tricky.
just got same message: Thank you for your interest! Our records show that you have already ordered this product. Please return to the Member Center to access the products and services you've ordered. If you believe this to be an error, please contact our Customer Care department at customer.care@equifax.com or 1-888-532-0179, 7 days a week between the hours of 8:00 am - 12:00 Midnight Eastern Time Zone.
creditman, Has it been 24 hours since your last report was pulled? That sounds like the standard message you'll receive if it's been less than 24 hours (sometimes up to 36 hours). That's not what we're getting. It's a different message saying that your order couldn't be processed and you'll be contact via email within 5 business days with an error 45D at the end. I'm sure others will see this message soon as well. Keep pullin' those reports, I think we can get EQ on this one.
Yea, it has not been 24 hours. Their advertisements say I can pull as many times as I want? I don't remember it being 1 a day. am I wrong?
No, they don't specifically quote 'one a day' but that's how often the database is updated. It's the same way with the other two bureaus. That's pretty standard. You can continue to review the previous day's report until a new one is ready though.
Yeah, tell them you know other people having this problem, and we are discussing what to do about it, hehe. (Besides disputing it with our credit card companies.) The last time I got locked out, that was the threat that worked. I told them, "fix it by Friday, or I am disputing the charge with my credit card company, and I will no longer subscribe to your service."
DISPUTING THE CHARGE IS THE WRONG WAY TO GO... I subscribed to "UNLIMITED" service...that means if I want to do it every day I will...I can not "LEGALLY" be denied the service because you decide to LOCK ME OUT... You need to remove the inquires until it works...EVEN IF YOU HAVE TO REMOVE 100% OF THE HARD AND SOFT!!!
Well, George, you know that merchants do not want to have tons of disputes with the CCC's. Then their rate goes up, LOL, or they can even lose their account with VISA or MC. Equifax is now a merchant. I will say, I had been emailing and calling to no avail. I finally sent that threat to every email address they had listed on their website. They fixed it before Friday.
