Deleting Inquiries, CR last cleanup - Long Post

[DellMatic]

Hi guys, thanks to all you guys for really helping me out for the last 8 months, I have learned alot from you guys now like Angel told me once to build credit I have to have accounts open in good standing, now I am in the process of getting my first Secured card with BoA, now I am trying to delete a couple of inquiries, I call the TU and lady told me that I have to write the CA now my questions are these

1-how do you get inquiries deleted from the CR?

2-is it true that I have to write these companies that are not even on my CR but their inquiries still there?

3-will this simple letter do it??

Re: Unauthorized Credit Inquiry

Dear Company,

I recently received a copy of my Experian credit report.

The credit report showed a credit inquiry by your company that I do not recall

authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit files because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt

response to this issue. Please be so kind as to forward me

documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to

inquire into my credit report, then please send me proof of this.

Thanking you in advance

now here is after 8 months of work, lot of baddies and this is what's left so far from 11-15 accounts to this once again thanks to you guys, but I still have that obsession of not having of baddy in there, I am sorry but I just became obseesed with this LOL

[direred]

It is my opinion (and I am still mucking through case law and have found none yet one way or the other) that hard inquiries for collections are not permitted by the FCRA for two reasons:

1) FCRA 604©(3) [§ 1681b] says it shouldn't be for something not initiated by the consumer, and therefore the CRA cannot dislclose it to third parties.

2) There is NO WAY for the CRA to know if the inquiry is for something outside the 7-year reporting period, therefore it shouldn't be reported.

So, I'd lobby to get them re-coded as soft. I sued a company who refused, but silly me, I didn't read carefully enough and should have sued the CRA as well.

Is Presidio an OC? If so, they don't need to DV.

[DellMatic]

It is my opinion (and I am still mucking through case law and have found none yet one way or the other) that hard inquiries for collections are not permitted by the FCRA for two reasons:

1) FCRA 604©(3) [§ 1681b] says it shouldn't be for something not initiated by the consumer, and therefore the CRA cannot dislclose it to third parties.

2) There is NO WAY for the CRA to know if the inquiry is for something outside the 7-year reporting period, therefore it shouldn't be reported.

So, I'd lobby to get them re-coded as soft. I sued a company who refused, but silly me, I didn't read carefully enough and should have sued the CRA as well.

Is Presidio an OC? If so, they don't need to DV.

thanks for responding, so I guess I should write the CRA a letter stating that they in violation because of FCRA 604 and so on??

Presidio is a CA

[direred]

Presidio didn't show any hard inquiries -- or did I miss something?

[DellMatic]

Presidio didn't show any hard inquiries -- or did I miss something?

nope in none of them, I just tried to get it deleted based on this

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=256008

and this is the response I got from Asset

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=255208

although they sent me actual sprint pcs invoices after numerous letters and letters sent to FTC, BBB, AG

[DWFan]

IMHO, in regards to the NCO inquiry, I would just leave it be. It's due to fall off in five months, and it may just take you that long of slugging back and forth with them to get it removed.

I have a letter that I've used in the past to get inquiries removed with 50% success on my drive somewhere, I'll dig it up if I can find it.

I haven't been around for a while due to my old PC being fried, etc....so hello to all my old friends!!

[VonAngel (aka EarthAngel)]

After a year, inquiries no longer ding your FICO score. So, why are you trying to get them deleted? NCO is over a year old and Asset will be a year old in less than a month.

[direred]

After a year, inquiries no longer ding your FICO score. So, why are you trying to get them deleted? NCO is over a year old and Asset will be a year old in less than a month.

Good points. Still, some places will ding you for having collection inquiries.

[kevin3344]

For the judgement, I would look at getting any old addresses deleted first, then dispute. Since your CR is relatively light as to the number of accounts, I would definitely look at getting a secured credit card...that should offset some of the baddies and give you a positive TL...until you either get them removed or they fall off.

________

Side Effects From Depakote

Edited September 9, 2011 by kevin3344

[DellMatic]

After a year, inquiries no longer ding your FICO score. So, why are you trying to get them deleted? NCO is over a year old and Asset will be a year old in less than a month.

what do you mean angel? that they should be deleted after a year?

[Ahntara]

Inquiries don't get deleted. After 12 months, they no longer factor into your credit score (for lending). They count for 24 months for insurance. That's why Angel said "...no longer ding your FICO..."

[pilgrimfaraway]

EQ will block inq's all day long. 3-4 per week is almost never a problem. I've only seen one ever come back verified.