Remove a credit inquiriy. Bankruptcy or Credit Counseling

is there any way I can get a Credit Inquiry that I did not authorize, removed from my credit report? The on-line dispute won’t allow me to dispute it and the phone for Experian (your right!) is useless… See following events:
I’ve been working on consolidating my credit cards and I applied with my bank, Wells Fargo. I had specified very clearly that I want a Dept Consolidation loan. They pulled my report, said they could not give me a consolidation loan based on my dept-to-income ratio, but did want to “sell me” a small additional credit line instead.
Then they (a person on the phone at my branch) said I should call their (Wells Fargo) financial department to see if they could help. I assumed that this was a division of WF. I was given the phone number to call. I talk to a person there and was told that they could review my credit report and see what they could do. They did Not ask me if they could pull another report, so I assumed that they had the same data base as my bank’s branch.
After reviewing my info and calling me back, they also told me they could not do a consolidation loan and they also want to “sell me” a small credit card (not problem with that!). I stated for the third time that I was Only want the consolidation loan and said I didn’t want an additional account.
I use “Credit Expert” for 3-in-1 reports. I review my reports often. I decide to pull a report and saw that I had 2 credit inquires for the incidences listed above!!!
One from Wells Fargo Bank
One from Well Fargo Finance
Both on the same day! I called Wells Fargo Finance (second place I talked to) and told they I did not give permission to put my report and that I was not told they would. And I assumed that they could review the info pulled from the bank. They said they always pull a report and that they are not a division of the Wells Fargo bank!!!. They actually called me 3 more times trying to influence me to get the additional card! It sounded like the same card as my branch. This was after I was mad about their actions.
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they cannot review your credit without putting on inquiry on it
inquiries are frivolous pursuit for better credit.
let that go
pay down debt

what they did is sort of a normal chain of events
with local and done businesss with them before accounts

you ask them to review your credit
they pull an old app
inquire
then call you back with what they think they can do

ive done it hundreds of times here in
Tullahoma tn with customers who want to know what they can do with out going in
if you don't walk in
how do you think they are goind to review your credit
unless they pull a report with info from the past.

let it go

sounds to me like you could look for a credit and budget counselor
not another loan
try that. i think it will help you the most
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Thanks for your help. I am already set to see a counselor.
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thats the best bet
ask them everything you have asked me

sorry about the inquiries and i can see why you are angry
it just doesn't seem right i know

in the end inquiries do not really hurt score

your debt to income ration has to stay below 45%
if you are pushing that and it sounds like you are

a counselor will be of some help
remember they are salemen too

to listen and go home and think
talk to your firend

do not do anything right then
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