sexycreditgirl Posted May 10, 2005 Report Share Posted May 10, 2005 They keep telling me that the inqs will fall off in 2 years. But I am trying to tell the rep that I did not give Permission for these inqs but they still stick to thier 2 yr story. What should I do now? Link to comment Share on other sites More sharing options...
flythai834 Posted May 10, 2005 Report Share Posted May 10, 2005 try to call again and speak w/a different agent, you might have better luck. try to act stupid and pretend that you just dont know how they had permission to pull.let us know what happens. Link to comment Share on other sites More sharing options...
miracle Posted May 10, 2005 Report Share Posted May 10, 2005 I would keep calling the reps until you get one that will cooperate and "put it under investigation" SOmetimes it takes a few calls. Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 10, 2005 Author Report Share Posted May 10, 2005 Thanks guys you are the nicest people on the WWW Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 10, 2005 Author Report Share Posted May 10, 2005 I just called back and they told me to contact the companies directly who made the inq.....ahhahahahahahahahahhahahhhhhhhhhhhhhhh Link to comment Share on other sites More sharing options...
flythai834 Posted May 10, 2005 Report Share Posted May 10, 2005 keep calling, lol!!btw, what number did you use to call tu? Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 10, 2005 Author Report Share Posted May 10, 2005 800-916-8800.I got it from thier website Link to comment Share on other sites More sharing options...
cled Posted May 10, 2005 Report Share Posted May 10, 2005 I just called back and they told me to contact the companies directly who made the inq.....ahhahahahahahahahahhahahhhhhhhhhhhhhhh DON"T GIVE UP!whether those inquiries are legit or not- dispute them DIRECTLY with the creditors who placed those inquiries- yes, simply DISPUTE THEM!A. With those you got rejected when you applied:call the creditors first- ask if they still have your application. if they say "we don't see your application in our system", then it's time to dispute- under the E-Sign Act, creditors are supposed to keep the records for 25 months-send them a letter of dispute with a copy of the inquiries. inform them that those inquiries were "UNAUTHORIZED"-have them verify those inquiries- failure to do so, under the law, those inquiries should be deleted-most creditors simply deleted them-, however, some did not budge at first and sent me back a letter stating, "you submitted an application online" and "file a police report". (that's exactly how some responded to me, don't be afraid)- i insisted that they verify them(with ITS letter) -after i sent ITS letter to some- they deleted them eventually- B. With those with tradelinesreasons maybe: if several inquiries from them, say "you have not submitted applications that many" please consider deleting them or recoding them as "soft" if they are done for account reviewsi have been successful in removing about 40 inquiries from EXPERIAN just within a month -i shared this somewhere else because it worked for me-, some took it differently- but my intention is to share a technique that worked for me and that you may want to consider-more power- Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 10, 2005 Author Report Share Posted May 10, 2005 One more thing....On the 3 n 1 reports, are the hard inqs in the INQUIRES SECTION of cr?Because I only have one section with inquires but they don't say soft or hard. And did you have a live number for ex? I can't seem to get in touch with them. Thanks. Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 10, 2005 Author Report Share Posted May 10, 2005 correciton number for eq...thanks guys your the best Link to comment Share on other sites More sharing options...
flythai834 Posted May 10, 2005 Report Share Posted May 10, 2005 sexygirl, try these numbers:EQ 866-802-6055 EX 800-493-1058 TU 800-916-8800 Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 10, 2005 Author Report Share Posted May 10, 2005 thanx fly Link to comment Share on other sites More sharing options...
cled Posted May 11, 2005 Report Share Posted May 11, 2005 One more thing....On the 3 n 1 reports, are the hard inqs in the INQUIRES SECTION of cr?in PG, the inquiries that appear are hard onesBecause I only have one section with inquires but they don't say soft or hard. And did you have a live number for ex? I can't seem to get in touch with them. Thanks.sexycreditgirl & flythai834,i noticed we are all from ny-more power Link to comment Share on other sites More sharing options...
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