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How to dispute Inquiries

Discussion in 'Credit Talk' started by Kapital1, Jul 24, 2001.

  1. Jul 24, 2001 #1
    Kapital1

    Kapital1 Member

    This is a great board (just found it). I have a couple of quick questions:

    First, I've tried to dispute the inquiries on all three of the agencies and I have received letters stating that they do not need to investigate inquiries as they are "deemed" permissible; Any advice? What should I say to them? This is now the one real negative on my credit.

    Second, I have spent the last six months really working on my credit. I managed to get more than 12 negatives removed from each agency. However, as it stands today, only TransUnion is perfect - NO negative items!! I am trying to find a decent credit card that only uses TransUnion. Does anyone know where to look?

    Thanks so much
     
  3. Jul 24, 2001 #2
    Imhosed

    Imhosed Well-Known Member

  4. Jul 24, 2001 #3
    monterio25

    monterio25 Member

    Chase pulled TU on me when I applied.

    The site you are on has a CRA list.

    Also, checkout www.millcbs.com
     
  5. Jul 24, 2001 #4
    Kapital1

    Kapital1 Member

    Lizardking,

    You're absolutely right. I saw that Chase pulled from TU. I applied online and got a $5000 credit line instantly.

    Thanks everyone for the "lists" Those are great. I'm going to start updating those with my own inquiry lists.

    Thanks
     
  6. Jul 24, 2001 #5
    tmitchell

    tmitchell Well-Known Member

    What were your scores when Chase pulled your TU?

    Tom
     
  7. Jul 24, 2001 #6
    chriscraft

    chriscraft Well-Known Member

    Be advised, guys and gals: When I applied for a Chase Secured card a couple of months ago, Chase pulled an EXPERIAN report. They did not pull a Trans Union or an Equifax report, just Experian. I live in California. Everyone seems to pull Experian for applicants living in California.
     
  8. Jul 24, 2001 #7
    Donna

    Donna Well-Known Member

    Chriscraft,

    Interesting that Chase pulled Experian on you. I too am in California...Southern Cal...and Chase pulled Transunion on me. The card I applied for was unsecured but I don't think that should make a difference. I've had my Chase card for about seven months now and they haven't snooped on Equifax or Experian.

    Donna
     
  9. Jul 24, 2001 #8
    chriscraft

    chriscraft Well-Known Member

    Donna, I live in Northern California and Chase definitely pulled an Experian report on me. I don't know if the reason for that is because of geography or because of the nature of the product (a secured card), but it stinks because Experian is my worst report. I was denied the card. Which is fine, because as I go from the subprime to prime world of credit, I will remember their denial and act accordingly when I received their "preapproved" offer.
    I am glad that things worked out for you, though.
     

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