In dealing with inquiries...do you believe one should start out with a nicely worded request explaining the situation and why the inquiry should be removed (ie no permissable purpose) or should the first letter contain references to the $1,000 penalty and the Greenblatt FTA opinion letter? I have a hawk alert on my Experian file and had thought about sending a copy of it along with a letter to the companies who made the inquiries and letting them know that I did not apply for credit, apply for a job, or have a business relationship with them and mention that if they did receive an application for credit or job application, or otherwise believe I have a business relationship with them, to please note the security statement which was added to my Experian report on March 26, 2002. Sooo...which way should I go...sugar or vinegar...lol? Or do you think I would get anywhere by calling them on the phone? L
whyspers, I try and start out ignorant and start showing more and more teeth. I had a CA that I played with and even sent the 1st estoppel not certified. I got a you are stupid letter a few days later. Then, I sent a CRRR estoppel that was strongly worded and got complete deletion without a response. Everyone has there own style. I believe that if you sound ignorant it's more believeable. You can always show your teeth later. Charlie
I had 4 inquiries deleted on my Equifax report 3 days ago. I emailed the disputes on May 10, and when I checked my report on May 11, not a single inquiry remained. All four deleted. I used neither sugar or vinegar. I had disputed before, and that was my second attempt I used 10 words. "I did not authorize by word or writing. Please remove!" Maybe it was luck, or perhaps they felt I was telling the truth. Which I was.
John Galt, You emailed your disputes? I have heard of people doing it, but no one that has had positive results. Congratulations!! Charlie
What was the email address you used? Every time I've emailed, its been ignored. L P.S. Thanks for all the input. I had a systems crash and have spent the last several hours reloading software ::sigh:::
Thanks to both of you. Here's how you email. When you have two disputes going with Equifax, the online system will not allow you to do another dispute online, so to speak. What happens is a "Sorry cannot do a dispute" pops up on the screen, which redirects you to the email form, which you are prompted to fill out. The form has ample room to state your case. I hope this helps
