Who is the inquiry from? I have found that collection agencies are virtually impossible. I send a handwritten letter to the CRA, stating that the following items are incorrect...usually only 3 or 4. I have had success w/ disputing inquiries simply by listing the creditor, stating that I have never requested credit from that company nor was I ever informed, or gave permission to that company to access my credit report. So so success so far, but hey, 50% deletion is better than 0.
If you talking as far as the credit bureaus, Experian usinf credit expert has been letting inquiries drop off left and right even soft ones, you just have to dispute the correct coded ones, this has me wondering why they are making it so darn easy??? Equifax won't budge on this matter and TU will with some persitance but do give you a hard time depends on the rep and how they feel that day. As far as writing the creditors, providian was the only one that removed inquries, these were duplicates and they repsonded in one letter, I never heard from Citi or FU.
I write the creditors directly (I use Planetfeedback for fastest response, btw). I also email directly when possible for faster response (and do PlanetFeedback). It's worked every time, though one was a fight, but I won (they didn't tell me I won, but the inquiry disappeared!) Good Luck! Mom is right about CRA (of course! Go,Mom, Go, Mom!)
I must be missing something here. If you apply for a cc and are denied, then write the creditor to have the inquiry removed, don't they have your application? Why would they remove the inquiry?
Not sure who you were addressing, but I was not referring to real inquiries..rather ones that truly were not "legal"
One of my deleted inquiry was from Equifax. It was for a hard inquiry generated by a phone company when I was slammed. I did not authorize it. Also, if you even think about applying by something by website, and you enter info, some sites have "fine print" that says that this info will be processed even if you page back, exit, etc. I found this out the hard way when I was considerring applying for new car insurance. When I reached the page that said "this will require that we look at your credit report blah blah...." I paged back out. Well they pulled anyways-and if you look at thee site, it will tell you that they will. Anyhow, it does happen.
To: Shirley One of my deleted inquiry was from Equifax. It was for a hard inquiry generated by a phone company when I was slammed. I did not authorize it. Also, if you even think about applying by something by website, and you enter info, some sites have "fine print" that says that this info will be processed even if you page back, exit, etc. I found this out the hard way when I was considerring applying for new car insurance. When I reached the page that said "this will require that we look at your credit report blah blah...." I paged back out. Well they pulled anyways-and if you look at thee site, it will tell you that they will. Anyhow, it does happen.
take a look at www.planetfeedback.com and do a search on the word here..you'll like what you see, I'm sure!
All I wrote to the CRAs was a simply worded letter. I listed the company who pulled a hard CR and said "I never authorized this company to pull my credit report, nor was I ever informed that this company was pulling a credit report for me" Hope this helps. I only dispute 4-5 items at a time, and usually do a combo of lates and inquiries.
Experian is great about doing it via the online dispute system. I had four deleted without questions just by clicking on them. They also removed one medical collection and converted a charge off to positive. I'm still hoping they delete that dang library fine, though another charge off was verified. So by far, Experian is my best report right now...only two negatives and owing small amounts of money. Two inquiries that resulted in accounts. If only most people pulled Experian for my state. Steph
