Anyone ever have any luck deleting inquiries? Some are honestly not mine. It looks like someone was shopping around for an automobile a few months ago. Luckily enough for me, my credit wasn't in good enough shape to get them financed. I sent a letter to TU disputing them. They basically sent me back a screw you letter, saying I should get in touch with the companies that requested my report. Does the burden of proof lie with me? I never once read in the FCRA that I had to do my own investigations. The jury is still out on Experian and Equifax. Anyone had better luck with them? Or similar experiences with TU?
I've had some luck with various strategies. One of the most effective for me was to go to the companies. I don't know if its worked for everyone but I ask them to prove their right to have pulled my credit and most don't bother and I get a letter requesting removal. Especially if over 1 year. If they don't respond, I go the route of BBB and such. Since these are usually businesses, they don't like a BBB slam. Note: I've had luck with even email requests for removal from the companies. Just my thoughts!
Does this mean someone has your ssn? Is it possible you can contact the company, and get the information about the person who applied? If you go to the police and file a fraud report, might this put a fraud alert on your report? This is scary, because when you least expect it, someone will use your credit to actually get a car, and leave your finances/credit report to suffer.
In my case, it was an ex-husband and his new wife...lovely couple...she thought my SSN was hers. They went so far as to buy their engagement ring on my credit... yup..... ...........troll (referring to the ex)
