How much will my credit score go up after inquiry falls off that is 2 years old

Does my Credit Score go up after an inquiry is removed from my Credit Report after two years?
P.S. I followed your advice to the letter from your website about raising my Credit Scores Fast and thanks to you my Credit Scores went up more than 100 points each! I am well on my way to purchaing my very first home!
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after 2 years?
probably nothing will change on your score.

Inquiries afftect your score almost none after 1 year anyway.

Collections agency pulled my credit before they posted a deliquency

I love your blog. It is so refreshing to get down to earth credit advice. My question is - I have some unapid medical bills. One of the collections agencies recently made an inquiry to my credit report before they posted a deliquency. Why do they do that?
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That is totally illegal
threaten suit and allow no respinse other than total removal they do this normally to find out new addresses
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Well the strange thing is that I have not been contacted by any of them. One of them did post a new credit ding for $800 for which I have no idea what it is and will be sending them a verification. The others I have heard nothing from and havent posted anything to my report. I am thinking the inquiries are hurting my score though since there are about 10 of them from different companies. When you say it't illegal should I dispute it with the bureaus or the company themselves?
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dispute it with the company themselves
and threaten suit if the account is not totally removed due to their illegal activity of pulling your credit report fishing for addresses

If you did not authorize the inquiries. This a is violation of the fair credit reporting act.Excersise you stautory rights

617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o] (a) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in anamount equal to the sum ofJuly 30, 2004 63 (1) any actual damages sustained by the consumer as a result of the failure; and(2) in the case of any successful action to enforce any liability under this section, thecosts of the action together with reasonable attorney's fees as determined by thecourt.(b) Attorney's fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faithor for purposes of harassment, the court shall award to the prevailing party attorney'sfees reasonable in relation to the work expended in responding to the pleading,motion, or other paper.§ 618. Jurisdiction of courts; limitation of actions [15 U.S.C. § 1681p] An action to enforce any liability created under this title may be brought in anyappropriate United States district court, without regard to the amount in controversy, or inany other court of competent jurisdiction, not later than the earlier of (1) 2 years after thedate of discovery by the plaintiff of the violation that is the basis for such liability; or (2) 5years after the date on which the violation that is the basis for such liability occurs.

I have 22 inquiries on my report. How do I remove them

how can i get the inquiries off my credit report?
for each one aint that about 6 or 7 points for each one?
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not if the inquiry was for the same thing
if you inquired about the same loan 5 times. that would be about 6 points for all 5
any inquiries over one year old do not really count at all
so can you give more info as too how many and how old and what for.
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i have 22 inquiries from 10/31/06 to 6/5/08
i have my car purchase on there and a few credit cards i applied for but rest i dont know what they are.
thanks
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so you have your report from the bureaus
and you do not know what thise inquiries areand the addresses on thew inquiries are not yours
http://www.oskie.com.credit-dispute.htm/
say not yours
someone is defrauding me they are your addresses you just dont know or care or remember
say the same thing and hope you get lucky most bureaus look down on inquiry disoputes
so not your address really works best
even if you moved
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ok,i have 1 more question,i have things on report from like 2001 some good ,some bad .should i try to have them removed?
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dispute them as not YOURS
hope and pray
many older acounts get less attention
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Credit Inquires

I was reading all of your info about how I can raise my score up.... I had only 2 major credit cards so I applied for 3 cards on the same day...I as turned down for 2 of the cards but was approved for a Master card...I have been watching my credit score, the next day my credit scored dropped from a 585 to a 572 just like that... I understand its because of all of the inquires with in a period of time.... How long will it take for the inquires not take effect on my credit score????
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in 12 months your new credit will be rated and your score will go up big time

Credit Inquiries

I was reading all of your info about how I can raise my score up.... I had only 2 major credit cards so I applied for 3 cards on the same day...I as turned down for 2 of the cards but was approved for a Master card...I have been watching my credit score, the next day my credit scored dropped from a 585 to a 572 just like that... I understand its because of all of the inquires with in a period of time.... How long will it take for the inquires not take effect on my credit score????
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12 months will jump your score 50 -80 points with the new good credit not maxed out

Car dealer shotgunned my credit and inquiries are getting me turned down.

I bought two cars, about two months apart. I realized this would be a temporary negative mark on our credit, but never expected what I am now seeing...
This dealership sent our credit out to eight different companies for the first car, and then NINE different companies for the second car purchase. At the second car purchase, I had actually specifically requested that they work with one lender in particular (our credit union) and they said they would contact them first. Now, seeing my inquiries, it appears this is the only lender that they DIDN'T contact.
A few months later, we applied for a small credit card to use as a bill-payer, to keep increasing our credit. The CSR denied our application, and was very sweet about it. He said, the ONLY thing that was keeping us from being approved was this massive amount of inquiries for the autos. (verbatim)
Now, as I read, the credit scoring system is supposed to take into account these multiple inquiries and group them together when made in a 14-day period. However, this apparently isn't happening on our report, or the other credit card rep's system would not have automatically denied us.
I have read that this "shotgunning" approach is illegal, but I've also read that it's just an icky policy. Which is the truth? And, how do we go about either removing this mass of inquiries, or consolidating them via correct coding or whatever so they won't all count as individual inquiries?
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shotgunning is not illegal
you should hae trid to set up finance before you went to the dealership
your credit must be bad OR there would have been no reason to shotgun your application
you must not have a copy of your credit report or know your credit score
almost NEVER is one truned down over inquiries
My bet is your credit is bad AND has many inquiries.

check your credit and get back to me
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Three year old collection with unautorized inquiry

Can a collection agency, who has bought my almost three year old debt from another collector and issued a brand new date of debt on my report be allowed to perform a hard inquiry on my credit report? I called them and told them "here I am" and that I wanted to pay or negotiate to make both parties happy. After three months of having my debts they decide to inquire my credit report. They tell me they are fully within thier rights and will use other avenues to get their money. I told them that I will be notifying them by mail that I am not to be contacted at work or home but by mail only according to my rights. Please help me as to whether or not they can do this according to your knowledge.
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they are not allowed an unauthorized inquiry
call your or the state attorney general

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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Filed 13 and case dismissed. can i have the 13 removed

1. The end of 2002 beginning of 2003, I self-filed a Chapter 13 in an attempt to save our home. The bank foreclosed; we lost our home and I withdrew the Chapter 13. The Bankruptcy shows as Dismissed. Is there anything I can do to have this completely removed?
2. We lost our home through fore closure, but there is still a debt classified as "Mortgage" for $72,000... this was a Second Mortgage. Why is this still on our file as a debt owed? Our home was taken but they still want the Second paid?
3. The Date of Last Activity continues to be updated on this Second Mortgage. Which tells me no matter what I do, this will never be removed.
4. It seems whenever I do an inquiry to Equifax to correct errors, I start getting calls again on old debt... does the inquiry to Equifax cause the Date of Last Activity to be updated?
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copy the dismissal papers and mail them as a dispute use this form

yes they still want the money. I would assume though some would be paid during the foreclosure and subseqent sale?
i would have to see a paper tail to help with this. but sure and loan has to be paid off period.

#3 not sure what to coment on this one.

#4 does not make sense. there is no correlation. inquiries only happen when you apply for a loan
not when you check your credit online
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thanks

Collectors might check your credit without your signature. Illegal inquiry.

The creditor might make a mistake and check your credit which is unlawful. what exactly does this mean? I have disputed alot of stuff and there are alot of inquiries on my reports, can you explain how they do this?
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if there is an inquiry that is not the result of you siging for credit then that is illegal.
unless you sign to get a car and the dealership shotguns your credit to several banks. That is legal since you signed up to get approved for a car loan.

sometimes a collection agancy will pull your credit to see if there is a new address for them to use. illegal.

when you catch someone doing the illegal you can get them to take stuff off or face FTC sanctions

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.

Inquiry on my credit report. How much does it hurt my score.

I opened a new bank account and the bank mistakenly sent me a new credt card even though I emphasized that I did not want one. Since I had not submitted enough financial information, the application for the card I didn't want was not approved for use and now shows up as an inquirey. I did not attemt to activate or use the card. How much does this inquiry affect my score? How can I get it erased from my record? Experian does not seem to offer a mailing address for disputes and seems to require one of their reports vs. a 3 in 1 from another agency (Equifax).
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Inquries do not really hurt score unless you pile on about 20 or something.
Most inquires cannot be removed and they are not worth troubling yourself over.
You can try to dispute them with this form. Credit Dispute Form
1-5 inquiries have no efffect. 5-20 probably about 5-20 points max.

Collection agancy pulled my credit without my consent

I got a phone call yesterday from a guy from a collections that is on my husband credit report,my first thought was how did he get my number when the phone number is UN- listed
i checked my husband credit report and this collections agency pulled his credit which will be there for 2 years cause it was a hard inquiry can they pull your credit this way with out your permission it was for a reposed Mobile home back in 2004
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No
They can't
I need to find the legal doc for that
but that is against ftc law and they should remove it and any further debt.

Inquiry

I was watching the news the other evening and saw that you could get a free credit report. So I called my local credit bureau and was told that if I got it from them that it would cost $15. But that I could get it online for free, so I did so. My printer is not working so I could not make a copy but I did notice an inquiry from an automobile dealership that I have never been in. That really bothered me. How could they pull my credit?? So then I went to the local credit bureau to get a copy and that inquiry did not show up. How could that be? The inquiry was dated 7/17/07.
Could you please help me with this? Just let me know what information you need.
PS
My credit rading is very good (over 800) and I would hate to have an idendity theft ruin what I have worked so hard to obtain.
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Different bureaus were pulled up
The inquiry in on one burea and not another
There are 3 credit bureaus
that any potential creditors might use and some use all 3
800?
Forget about an inquiry.
800? Gosh. You see those once in a blue moon at a car dealership.
YOU ARE NEON CREDIT PERSON. take a chill pill
If you think someone has your credit do this

bankruptcy, inquiries, fico, credit card

Dealership turned me down for having too many inquires on my credit report.
I received several letters in the mail saying I had been turned down for credit.
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The letter are legal for putting a inquiry on your report.
How many inquiries?
I doubt anyone got turned down from too many inquiries.

The letters you got are from potential creditors the car company tried to get you finance with and they were turned down. So he was just fight to keep a deal with.

I would say incompetence is not the right term.
He either tried to get more interest usually capped by lenders at 2% percent max dealer increase. So at 14 percent all he could make was 2 % of loan interest. So the bank bought it for 12% they charge you 14 and make some money.

Usually this is not a bad deal as car dealers get better rates than the average guy.
I would contact a credit union
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Thanks for the quick reply,The credit report lists 15 separate inquiries from May 12th - May 15th, 12 checks on May 16th, the day of purchase.
If not incompetency, I suspect he was being vengeful for not accepting the 14%. (It seems to me any reputable dealership (this was Nissan) should have a better credit system check than this. ...) I see the way Capitol One is listed on the report and the "loan offer" was from Capitol One, and the credit denial letter from them clearly states the reason for denial as "Too many recent credit inquiries".
There was nothing negative or missed payments between my last FICO report from Oct 2006 and the recent one I just obtained. The loan was only for $5000.00, and I had planned to "flip" it over quickly in 6mos, If I "get rid of anything capitol one", dosen't it look bad closing a credit card acct? (Excellent payment history)
Also - When the bankruptcy goes off the report will my automatically credit improve? It's the only "negative" on my report.....
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Never make payments on something for only 6 months.
Rated has to be 12.
They probably worked on your credit right then that day to get you a better rate.
A person must tell them not to shotgun your credit. Mostly done with people on the margin of good and bad credit.
I doubt you have any recourse and many times a denial list menial items and they do not really tell you why. They didn;t want to do it so they came up with a decent reason. I am sure there are other reason they did not list on your denial letter. Nature of the business. I know. I sold cars for 12 years. Financed em. everything from top to bottom. -------

Inquiries, get hits on credit report removed deleted off

I have approx 10 hits on my report from gettting information on refinancing my home. I was just shopping for the rate and terms I wanted and no one would give that to me unless credit was checked.
One of them told me that those hits had to come off by owners request after 30 days if I did not use them to refinance.
Is this true, or some version of it? How do I get them off?
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If it is I appreciate knowing it, but it does not sound right.
On the other hand you might be able to dispute duplicates.
I am not sure how to find out even other than try.
So why don;t you try and let me know back
use
http://www.oskie.com/credit-dispute.htm
and tell your story about the mortgage guys statment
Might just add a 50 word or less letter along with the dispute form
state which ones you want off.

Credit Card account sold to collections company and I paid them negotiated amount

I have a few questions...
1) I have an old credit card account on my credit report. It was sold to a collection company and I paid them a negotiated amount to pay them in full. In return they deleted the collection account from my credit report. Only Transunion still shows the collection account... and all three show the original account.
The date opened is 8/01 for the original account... Does that mean that I can start a dispute to get it removed from my credit report?
Also, on Transunion, can I report this as a duplicate account?
2) I have a civil lien on my credit report.... will it fall off in 7 years or will it just stay on until I pay? Also, I have a collection agency trying to collect on this lien showing up on my credit report... can I dispute as a duplicate account on the credit reports where it shows the original and the collection account. And finally.... the collection account pulls my credit report twice a year... can I report that as harassment. They note that they can not locate me. But I have sent and received letters from them regarding the account.... I have sent them a cease collections efforts letter... and this is what they are doing!

Thanks for your time and help.

I am currently about to relocate and am interested in getting a first time home loan and want to clear all these things up prior to getting out there.... The positive thing is that I have 2 active loans with my credit union which I have never been late on... which are both 2 years old... will that help?
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Date closed or date of last activity is all that matters.
I would dispute it as not mine.

Lien will come off if and when you pay in full.
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It is against the fair credit reporting act to pull your credit without signed consent.
I would use this letter to validate the premise behind pulling your credit and contact the local better business bureau about these actions. They should remove the account totally because they never had your signed consent to pull your credit. Totally illegal. You could own them.

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address
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A part of my medical bill was denied by my insurance leaving a balance of $116 which I was unaware of. The doctor's office claims to have a bad address and they do not make collection calls so they passed my debt over to a collection agency. I feel that in this case a call is warranted if mail is being returned; they must have written the address down wrong. Then it went out to collections but they did not pull a report to obtain my address. My address is current on all reports and I had mail forwarding set up. So... did the collection agency have the obligation to pull my report in order to obtain an address?
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"majors@oskie.com" / to Inquiry on unknown Collection /
Abosolutley NOT!They cannot pull your credit report unless you sign for it.
If you have an inquiry on your report from the collection company, then ask them to kindly remove the debt and inquiry from your credit report, plus send you a signed letter on company letter head saying such has been done as required by FTC law. No one may pull my credit report up without my signed consent.
Read this sort of related collection page.

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm