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Doesn't really have to do with your question but didn't want to start a new thread. I am so happy. I had an unreasonable amount of inquiries on my credit report from me applying for things as well as creditors doing hard inquiries instead of soft ones. Between Equifax and me contacting the creditors myself, I managed to get 26 inquiries removed. If i was to just leave my credit be, by the end of the year, I would have gone from 42 to 6! I'm so psyched.

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<blockquote>Originally posted by techgoddess


Anyone know?


I've herd that you can call the SOURCE and have them turned in soft inquiries, Capepuffin was talking about that!!!!

Btw, it is against FCRA rules to get information under false pretenses, if you or any of the "senior" members know how to use that clause in the FCRA, that would bel very helpful. I'm sure alot of people have that problem.

"As a matter of fact" (AAMOF) it would be nice to get a letter started to handle that situation. We might eventually start a section were we can all post out most succesful letters with threads for different situations.

Anyhow, here is the section in the FCRA:

§ 619. Obtaining information under false pretenses [15 U.S.C. § 1681q]

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

§ 620. Unauthorized disclosures by officers or employees [15 U.S.C. § 1681r]

Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

Might also be able to use 620!!!

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