I wrote to TU about two hard inquiries, stating that there was no permissible purpose. They wrote back they do not remove them and that I should write to the creditor...but there is no contact info on my credit report for these inquiries. What is the proper way to challenge the CRAs on inquiries? Don't they have to investigate them if I ask them to validate them? Thanks for any suggestions. Sincerely, Kristine
I get all inquiries removed. Equifax call them and ask them to investigate Experian call fraud dept. and tell them you have had fradualent activity and can they please investigate inquiries, they will delete all TU only way is bumpage through Privacy Guard has been working well fro me. If you ask me PG is well worth $90 has bumpage on both Eq and Tu plus gives u a good snapshot of all activity on your 3 reports at once every day.
Re: Re: Inquiry deletion question Okay, this is the second time I've read this... Sorry for the Newbie question but... What is bumpage? You pull your own report so much it bumps others off? What about hards? Does it work for those too? Quite curious.. Thank you!!
Re: Re: Inquiry deletion question Call the CRA who reported the inquiries. Get the contact info for the companies that pulled. Then contact them.
Re: Re: Inquiry deletion question The FCRA says you can dispute ANY item of information on your report with the cra's. I think you need to start asking TU what part of the FCRA says they don't need to investigate inq's.
Re: Re: Re: Inquiry deletion question Bumpage: Removing your inquiries one at a time from your report using the "amass so many they get bumped off" technique. Copyrighted by LKH [color=0066FF]FCRA § 611. Procedure in case of disputed accuracy (a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. [/color]If the completeness or accuracy of any item of information contained in a consumer's file[color=0066FF] at a consumer reporting agency [/color]is disputed by the consumer[color=0066FF] and the consumer notifies the agency directly of such dispute, [/color]the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file[color=0066FF] in accordance with paragraph (5), [/color]before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer[color=0066FF].[/color] [color=0066FF]FCRA § 609. Disclosures to consumers (a) Information on file; sources; report recipients. [/color]Every consumer reporting agency shall, upon request[color=0066FF], and subject to section 610(a)(1) [§ 1681h], [/color]clearly and accurately disclose to the consumer[color=0066FF]: (3)(A) [/color]Identification of each person[color=0066FF] (including each end-user identified under section 607(e)(1) [§ 1681e]) [/color]that procured a consumer report[color=0066FF] (ii) for any other purpose, [/color]during the 1-year period preceding the date on which the request is made[color=0066FF]. (B) [/color]An identification of a person[color=0066FF] under subparagraph (A) [/color]shall include[color=0066FF] (i) [/color]the name of the person or[color=0066FF], if applicable, [/color]the trade name (written in full) under which such person conducts business[color=0066FF]; and (ii)[/color] upon request of the consumer, the address and telephone number of the person[color=0066FF].[/color] So, send them a letter and request their contact information.
Re: Re: Inquiry deletion question What happens when all inquiries gone from TU yet you still have a few to go on EFX. does continueing to PG cause TU good tradelines to disappear. guess what Im trying to say, what disappears when there are no more hards???
Yay! Yay! Yay! After signing up for PG in Nov 03', I started pulling everday and finally bumpage kicked in today for my TU. I got 2 inquiries removed. I just wanted to thank all the regulars who post and assist this board. You all rock!
