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Disputing Inquiries with Companies Who Initiated the Inquiry


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Here is what I used. The inquiry came off about two weeks later.

RE: Unauthorized Credit Inquiry

Dear Sir/Madame:

I recently received a copy of my XXX credit report and found a credit inquiry by your company that I do not recall authorizing. I contacted XXX directly about this and they referred me to your company at this address.

I understand that the Fair Credit Reporting Act (FCRA) prohibits businesses from making credit inquiries without the consumer’s explicit authorization. As I am sure you are aware, frequent credit inquiries are seen as negative information by lenders and your unauthorized access to my credit file may adversely impact my ability to obtain credit at reasonable interest rates.

Please investigate this matter fully and have this inquiry removed from my credit file immediately!

If, after your investigation, you find that I am remiss and you did have my authorization to inquire into my credit report, please provide me with proof of this authorization at the address above.

Thank you in advance for an uneventful resolution to this matter.



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Which CR are these on?

If it is on TU, are you using the "Bumpage" strategy as well? I have had success bumping inquiries from TU that I didn't dispute with the OC. It was from a company I have a current account with and I didn't see the point in trying to have it removed, but it is now gone.

I recommend bumpage - it works.

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Mine didn't take 90 days to accomplish. I wasn't nearly as consistent about it as others and it took about 60 days for mine.

Here is my understanding:

"Bumpage" only works on removing inquiries from your TU report. Apparently, TU's system can only hold a certain amount of information in the inquiry area on each person's report. Usually, this is plenty to hold your "hard" inquiries and your "soft" inquiries. However, they never envisioned a person pulling their reports every day - much less 5 times a day. Each of these pulls generates a "soft" inquiry and in a relatively short time, fills the available space. As this occurs, the older information is "bumped" out to make space for newer information.

Thus, "Bumpage."

Basically, there are two "free" online sites that can be used to generate soft TU inquiries and are proven to cause bumpage - Privacyguard.com and Worthknowing.com. By pulling your reports from these sites over time, you will cause older (presumably "hard") inquiries to be bumped from your TU report. I know it works, but be patient.

I hope this explanation answers your questions.

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Would it even be worth it to try PFB? I know you'd want the paper trail, but has anyone used PFB for this? Really it's just out of curiosity <:)

if wouldn't hurt, but the paper trail is something you might need. You do it this way: nice letter via PFB, then a nice letter via mail, then a firm threatening letter via mail.

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I'm curous about a new thing regarding inquiries...does it matter the length of time they've been on there. I noticed that in PG's report summary that they only count the ones within the last 6 months. I know inquiries can stay on your credit for 2 years, but they older they get does that affect your score. Like say I had 9 total, but only 2 in the last 6 months, would that make my score improve?

If so, I don't need to send nearly as many Inq. removal letters as I thought, maybe won't need to worry about them at all since I only have a couple on each report within the past 6 months.

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