sillymac Posted August 6, 2003 Report Share Posted August 6, 2003 Does anyone have a template letter that they used to send directly to those companies who initiated the inquiries in order to request removal? It seems as though I will need to try this alternative method as well!Thank! Link to comment Share on other sites More sharing options...
tarheel99 Posted August 6, 2003 Report Share Posted August 6, 2003 Here is what I used. The inquiry came off about two weeks later.RE: Unauthorized Credit InquiryDear 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.Sincerely,tarheel99 Link to comment Share on other sites More sharing options...
sillymac Posted August 6, 2003 Author Report Share Posted August 6, 2003 This is great...thanks! I'm sending these out tomorrow! I have about 30 of them, believe it or not! Link to comment Share on other sites More sharing options...
tarheel99 Posted August 6, 2003 Report Share Posted August 6, 2003 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. Link to comment Share on other sites More sharing options...
sillymac Posted August 6, 2003 Author Report Share Posted August 6, 2003 Explain how the bumpage system works and how long it takes before you actually starting seeing any results.I thought that I read that it took about 90 days before you saw anything deleted and/or "bumped" from your report. Thanks! Link to comment Share on other sites More sharing options...
tarheel99 Posted August 6, 2003 Report Share Posted August 6, 2003 Silly,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. Link to comment Share on other sites More sharing options...
sillymac Posted August 6, 2003 Author Report Share Posted August 6, 2003 It does...thanks! I'll give this method a try and see what happens! Link to comment Share on other sites More sharing options...
catnap1972 Posted August 6, 2003 Report Share Posted August 6, 2003 Bumpage doesn't work on insurance inquiries (as well as a few other types)...keep that in mind.You'll have to send them the letter if you want those off. Link to comment Share on other sites More sharing options...
almost_there Posted August 6, 2003 Report Share Posted August 6, 2003 32 x $4 something for CRRR = This better work! Link to comment Share on other sites More sharing options...
almost_there Posted August 6, 2003 Report Share Posted August 6, 2003 Suppose it would be ok to put mine and DH's letters to the same companies in the same envelope?I'd cut my CRRR costs in half that way. What do you think guys? Link to comment Share on other sites More sharing options...
Guest Posted August 6, 2003 Report Share Posted August 6, 2003 between bumpage and sending out this letter I've gotten nearly all my inquires removed. It's not a bad strategy, but it does cost some stamps, but not any more thantwo or three CMRRR letters. Link to comment Share on other sites More sharing options...
almost_there Posted August 6, 2003 Report Share Posted August 6, 2003 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 Link to comment Share on other sites More sharing options...
Guest Posted August 7, 2003 Report Share Posted August 7, 2003 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. Link to comment Share on other sites More sharing options...
almost_there Posted August 8, 2003 Report Share Posted August 8, 2003 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. Link to comment Share on other sites More sharing options...
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