Call and ask that they remove the unauthorized hard inquiry placed today on your Experian by MIDWEST MORTGAGE on their behalf. If they try to bluff saying it's a soft inquiry, or they're not affiliated w/ Midwest Mortgage, RAISE HELL. 1-888-E-LOAN-22 Saar
Getting any hotter than I am right now would trigger the fire alarm Naaa, just kidding. I usually welcome a free online Experian report w/ open arms Saar
I had a similar problem with QSpace. They say their inquiries are considered soft by the CRA but when I got a copy from another source, it showed up as a hard inquiry.
They responded to me by saying that businesses only need to have a permissible reason etc etc etc inquiries are controlled by the merchant yada yada yada......
Saar, Did e-loan state that they would remove the inquiry? Has anybody had any positive results with this issue? Kelly
You can get a free Experian report every single day if you want. Just go to their website and check the box that says you were denied credit within the last 60 days when you are on the order form. I have been doing it for the last 2 months (only when I have a dispute in ). There is no charge. What I saw was interesting. For instance, one day my Citibank limit were inserted, then the next a negative was verified and then the next day the other negative was verified with a new account opened date. I just checked and yes I do have an inquiry for MIdwest Bank. My score is 698 which is so unbelievable. I'm not doing anymore of those score things (unless it's the real think). ANOTHER EXPERIAN INQUIRY-THAT MAKES 9 IN SIX MONTHS. MY OTHER REPORTS ON HAVE ONE OR TWO. AGGGHHHH!
Nope, if they don't have an actual inquiry on file within the last 60 days, Experian won't let you view your report online, even if you check the "denied in recent 60 days" box. Saar
