My Transunion report has 3 hard inquiries I did not initiate. 1 is from my mortgage company. I called them and they said they just needed an updated report for my file. so that should be a soft inq, right? next is Neiman Marcus. I tried to make a purchases twice and it initiated a hard inquiry. I called them too. they said my acct was closed due to ch 7 (it was not included) and my attempt to make a purchase caused an inquiry. that should be soft, right? I did not know the acct was closed??? I did not ask or know about these hard inquiries. is this one of those instances I can send the $1000 letter to them? thanks for your help !!
It should be, but nothing stops them from pulling a hard. You might write them a goodwill letter of sorts asking them to recode it as a soft. OK, the debt wasn't discharged in BK? Did you have a balance when you tried to make a charge? If the acct was closed, with a -0- balance they cannot pull your report. If you owed them money, despite whether the acct was closed, then see #1 above.
On Neiman Marcus the debt was not included in BK and the balance is and was zero. The acct was closed in Dec they say and they did another inquiry in March 03 with zero balance and I guess a closed account. I called both places. the mortgage company person was not knowledgeable and unable to help. I called Neimans and got supervisor who said they can NOT remove inquiries and that it was my fault for trying to make a purchase.
