7 EX inquiries deleted!

A month ago, I joined Creditexpert. I disputed 9 of 12 hard inquiries. I refused to dispute 3 of the inquiries as they have new accounts attached and I did not want to appear frivolous.

7 of the 9 were deleted. 2 were verified.

Today my score rose 7 points as 3 deletions happened. I unscientifically estimate that each deletion was worth 2+ points.

This was great to get rid of 7 hard inquiries.

My total was 12 inquiries with 10 in the last 6 months when I disputed.

Now my total is 5 inquiries with 3 in the last 6 months.

Jim

 

Thanks Lizard,

I remembered your prior comments about your deletions and score increase.

To get 7 hard inquiries deleted along with 2 addresses was worth paying the $79 for a annual Creditexpert membership. I am disputing more minor stuff to make the EX report perfect. I like to look daily to see my score and credit report.

The credit simulator is still 50 points above my credit score. I won't speculate any further at this time. A year with creditexpert should reveal the answer.

Best regards - Jim

 

Leo,

I will be watching for your future thread(s) on the soft inquiry issue. I know you are disputing your items now.

Also, I want to say to you:

THANK YOU!!!!!!!!!

I would have never have known I could get away with deleting inquiries on EX without you bringing it to the boards attention.

Best regards - Jim

 

Leo,

It would have raised an enormous question if the soft inquiry deletion had raised your score. Not to mention giving us all one more thing to be concerned with. Not everyone here is a fan of credit unions, but I am. Last week, I posted about my credit union that gave me a preapproved $3K credit card increase and a $25K car loan as the result of an EX soft inquiry. Yesterday, I received an offer to come in and apply for a home mortgage at a very favorable rate with minimal fees etc. I want to keep the offers coming in the mail. I do not want to optout on soft inquiries like Marie is doing to improve her mortgage chances.

Do you have an opinion about the credit simulator?

Jim

 

I agree Leo.

Lizard and I both noticed that deletion of hard inquiries seems to give you 2+ points for each deletion. The simulator made it appear that the inquiries were worth more than that.

I have 3 inquiries that I have not disputed as they are attached to new accounts opened in Jan - Apr. 2001. I am going to dispute them 1 at a time. I am still concerned about the writer here who claimed that EX notified his creditors of suspected fraud when he disputed similar items all at once.

I am not going to re-dispute the 2 inquiries they verified. How about you.?

 

Hi Nana,

My inquiry deletions started about 10 days after I disputed. The last 3 inquiries deleted yesterday were done on the 29th day.

If I remember correctly, there was a corresponding soft inquiry showing for every hard inquiry. Those soft inquiries are still showing. I think it is possible that the "1 moved to a soft inquiry(?)" may have been a deletion for you.

Jim

 

Nana,

This is a learning experience for us all. The 2 inquiries verified were a credit union inquiry from May 2000 and a Cap One inquiry to an existing account several years old. If I had been betting on which inquiries would be verified; it would not have been these two.

Jim

 

LOL Nana - me too!!

Best regards

Jim