Wednesday, October 03, 2007

Inquiries. remove Inquiries. Experian will not remove inquiries

I am writing because I hope that you can help me get some illegitimate inquiries off of my credit report. My wife applied for some loans in her name and the mortgage company pulled a tri-merged joint report. I did not know about the inquiries until later they showed up on my credit report. I wrote letters of dispute and telephoned Experian who told me that the only way to get them off my report was if the mortgage company was to request the inquiries to be removed. Experian said that inquiries are not treated like ordinary items and they cannot be removed without the express permission of the company that recieved the information. The mortgage company said that they will not remove the inquiries. These inquiries have all happened within the last 12 months and they are hurting my FICO. What advice would you give?
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That is just one hit per bureau.
Unless your wife went to several martgage companies

Any time one signs, to get approved, that is legal authorization to get you approved no matter what.

Even so, if you have less than 15 inquiries or so, your score is not really affected.

3 comments:

Unknown said...

I know this post is old but I just wanted to say whoever responded to it has no clue what they are talking about. Even 4 inquiries will lower your credit score and the more recent they are the worst they affect your score. I recently got 4 inquires removed from my equifax report and my score went up 22 pts. All of these were from 2008. Experian generally won't remove inquiries. I got them to do it once like 2 years ago but from what I've read they now just send you a generic letter explaining permissible purpose and don't remove them.

Michael Roman said...

I have used an inquiry removal and credit repair site that is a non-profit before. http://www.RemoveMyCreditInquiries.org They charged only $15 to remove inquiries and late comments off of my credit report. My FICO score went up by 40 points after I removed hard inquiries.

Remove inquiries said...

I would just use a non profit to remove the items. The cheapest option I know of is http://www.removemycreditinquiries.org