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timbercreektech
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<blockquote>Originally posted by Trilivonel

What are hard inquiries?

</blockquote>

Soft Inquiries occur when you pull your credit report or when one of your existing creditors pulls your credit report. Why would a creditor do this? They are checking to see how you are doing credit-wise to see if potential problems exist. Soft inquiries supposedly have no effect on your credit score.

Hard inquiries occur when your credit report is pulled as a result of your applying for new credit. These count against you.

[Edit by timbercreektech on Tuesday, May 6, 2003 @ 11:31 AM]

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Thanks! I have heard some people that are using Privacy Guard are having luck with EQ inquiries. I have been pulling them daily since 3/31/03 and haven't had any luck so far. I'll wait and see, maybe it will happen soon.

paw67

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I have pulled my report using Worthknowing a couple of times, but the report apparently does not show the soft pulls (not even the one from worthknowing). DO you just keep pulling until they start disappearing? Do your reports show the soft pulls?

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<blockquote>Originally posted by timbercreektech

Using Worthknowing.com I was able to bump 8 hard inquiries off my TU report! So now I only have 5 Hards on TU, 7 on Experian, and a lousy 12 on Equifax. What is best way for removal on Equifax?

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Congrats! About Equifax, I was able to remove 8 hard inqs just by calling them and telling them that I never authorized the inquiries. They were all from CAs. Less than 2 weeks after my call, I got my letter informing me they were deleted. From what I've read on this board, it seems that CRAs are inconsistent about their policies in taking inquiry disputes. If the first Equifax agent you talk to tells you he/she can't take inquiry disputes, wait a few days and try and call again. That's what I did.

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