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 repair identity theft and inquiries

I have been working for 2 years to repair my credit after some identity theft, and after a long illness. My scores are 681, 688, 640. They all mention the fact that their are many inquires. I actually have not requested my credit to be pulled in 2 years. However, I have about 15 inquires. In Jan.07, I placed something with agencies, to block 'soft' pulls. I wrote letter to everyone of these inquires. @ have been returned unable to validate address. I have also spoke with the companies I had phone numbers for. I seem to get the run around with many of them. I feel that any inquiry that I did not request should be taken off. Equfax tried to tell me, I had no choice, if the co. would not contact them. That they will be there for 2 years. I want to buy a house now. If these inquires were off, I'm sure my scores would hit 700. There are also many address's listed, that I never lived at. I disputed it, but it remains. I have had major credits cards for about 27 months, I have always been on time. One credit card ( Citi Bank,) shows nothing, no activity. I have used the card responsively for 27 months. I called citi bank 3 times, over the last 4 months, and it still is not showing my activity.
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first off
unless you sign off on a credit request. there will be no inquiry on your report
soft inquiries are not inquiries at all. they are people in the upper tier group that the bureaus sell to markting agencies. so there is no such animal as a soft inquiry showing up on ones report i would send a letter to the bureaus stating they have made many a grievious error reporting incorret address and not only do you dispute the incorrect addresses and inquiries but you plan to file a complaint the the attorney general of thier state and suit in the court of the county in which the operate. They must not only remove he errors but provide names addresses and phone numbers for each and every error or face punitive actions.
the letter would be enclosed with a copy of the report with circles around each error. this should ellicit a response.
i would tell you to use the fraud alert letter but that would be releasing the bureaus from the course of action above by saying it is not thier fault. Each and every acccount, address, inquirie has to be filed with some compnay that the bureau has detailed information on, with a statement explaining how and why the bureau should allow them to report. NOT only that but since about 2004 each of these companies have to report a minimum of 500 account each mont to quailfy.
So the bureaus DO know who put each and every detail on your report.
http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm this page has about every kind of letter possible for credit help. I have assembled my most useful letter, the first being th dispute form with bureaus addresses.
near the bottom of the page are 2 other sources of letters that might be of some use to you.plus there is a link to the FTC complaint page.

i would hit them in the mouth, gut and shins. now as far as inquiris and the amount they affect your score
if they are more than 1 year old. NONE. less than one year maybe 10 points for the totality of the inquiries you told me of.the addresses hurt none. BUT are inflamitory if you try to buy something and the potential creditor wises to know why you have been here there and even everwhere. maybe even gitmo bay. heck i dont know. almost every credit report comes with a disclaimer saying stuff like to many revolving accounts. too much owed, too many inqiries. this is just a set of pat bull... s
tatments that really mean just that. the only real way to tell if to read the report. this is one of those from my 721 score

FICO SCORE *721* TOO MANY BANK OR NATIONAL REVOLVING ACCOUNTS / proportion LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
and thats on a 721. means squat.

if you pay the account off each month it may show nothing more than the months the account has been open what do you mean by activity? and make sure any other cards or accounts show less than 79 balance to credit limit

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

Mail address is incorrect and I have an account that is too old 7

And I'm not happy. First i would like to start with having an unauthorized mail address in Trans union. There's my mail address with an additional unapproved mail address. Should i contact Trans union and dispute? Second also have a an account open (CITI CARDS CBSDNA ) since 1994! Shouldn't that been deleted? And why does it still say OPEN and (Pays account as agreed)? And on legend it stating (ND). I really don't want to think the worst. Third Is it normal to have accounts display in all three Credit Bureaus.
Please advice. Any help would be appreciated. Thanks for your time
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is the mail address one you lived at once? or not. what do you mean unauthorized

if the account is open it will be reported
call citi cards. if it is not open close it i guess or use it to keep good credit for at least 24 months.

most account only report to one or two bureaus
but many do report at all three bureau that support FICO credit scores
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No I have never lived or use that address before. I mean that why would they be sending mail to that address without my authorization.
I will call citi cards. Thanks!
I have sent my negotiating letter to my creditor. Hopefully they will come to an agreement.
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you should dispute the address even tough some bureaus kick that out
say fraud
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y

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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these addresses and inquiries on my report are not mine. How do I get them off?

1. How do I remove incorrect home addresses from my credit report?
2. How do I remove inquiries from my credit report (those that affect my scores)?

some of those addresses are not mine, ever! and I don't have a clue as to where all the inquiries come from because I have only applied for credit twice in 2 years
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well you should dispute them
and say you think someone is fraudulently accessing your credit file
use the dispute form here
then add in a small letter explaining your position
might add a copy of your report and circle the errant entries
many credit reports list the phone numbers to every entry
at the bottom of the report
for
inquiries
public records
collections
credit accounts

If you have those i would call them
then send a letter validating the entry
u could use a debt validation letter but remake it to validate an inquiry

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.

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.

How can I remove 20 inquiries from a car dealership?

how can i remove 20-inquires from a dealer ship..i didnt even end up purchasing a car from..i recievd a copy of my credit report..i cancelled the request that night ..that i didnt want to take the vechicle..and called to return my deposit....it took them over 2 months to return the deposit...I'M just upset..that there are 20--inquires for an auto loan..HOW CAN i GET THEM REMOVE?

thanks
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Once you sign up to get approved for a car loan dealships work to get it done and must not have been able to in your case. Prbably prior bad credit or too much debt.
Nothing can be done other than disputing the inquiries and I doubt that will help.
Your problems lie in other areas and these should be looked at more attentively I feel certain.