Comments on: How to Remove Unauthorized Hard Inquiries

By: Anonymous

Anonymous — Sun, 27 Nov 2011 23:31:15 +0000

i own a business and everyone check mt credit vendors, bank, phone line, direct tv, bright house, and when u need a new car for your business bingo uyou get 5 personal more hard inquiries
how as an business owner i can protect my personal credit.
herve

By: Mike

Mike — Tue, 15 Nov 2011 04:21:57 +0000

I sent collection company a certified letter asking them to remove the hard inquiry and if they would not, to justify it. They never responded.

I sent a letter to Trans Union 40 days letter. Attached a copy of the letter sent to collection company. Trans Union never acted on it.

I called Trans Union and they told me that they could not remove the hard inquiry unless the collection company removes it.

Now what?

By: Food Lover

Food Lover — Wed, 28 Sep 2011 01:20:21 +0000

Great information. I just found out a company called First American Credco make an unauthorized hard inquiry. I was upset not so much of the impact of the credit score. I was upset that a company made an unauthorized inquiry. I felt like someone entered my house without my consent. At least if someone enter my house without my permission, I can call the police and this person will go to jail. What can we do if a company make an unauthorized inquiry beside asking the company to remove it. I don’t think removing the inquiry is enough…

By: Fausto

Fausto — Tue, 13 Sep 2011 18:49:26 +0000

I sent a letter to Dillards because my wife apply for a credit card there and i didnt consent it, and they replied me back saying that they wont remove the inquiry of the account. so i dont know what to do now!

By: Rhia

Rhia — Mon, 25 Jul 2011 20:33:38 +0000

I understand that many may not wish to deal with removal, if your credit isn’t effected to a significant degree. However, permitting people to illegally pull credit without recourse is acceptance of unsavory actions that shouldn’t be happening in the first place. The frivolous regard for one’s personal information shouldn’t be so easily over-looked, be it principle, legality, or basic work ethics. Personally, I’ve been disputing an inquiry for months now with a major provider, and have reached my limit of patience.
If anyone knows of a the next course of action after letters, phone discussions, and hollow promises that they naively think I wont follow up on?? That would be Greatly appreciated : )

By: vanessa

vanessa — Wed, 01 Sep 2010 06:02:29 +0000

hi i saw your post and saw that you worked at a bank, i do as well and have the same issues do they forms work to get the credit inuiry removed?

By: Mandy

Mandy — Tue, 10 Aug 2010 22:02:48 +0000

I just had a bank a bank where I have a checking and savings account for years they pulled my credit without my consent for a credit card. I did not want a credit card from the bank and they pulled my credit to get meet their quota. Only one instance but they violate my my privacy it wasnt routine check. They did it purely greed

By: Megan

Megan — Thu, 17 Jun 2010 18:01:28 +0000

Hi,

Just wanted to try to distinguish a few things here.

First thing is that it’s actually harmful to your credit score if you have more than 7 or so inquiries, and I don’t believe the impact/import of having these on your report goes down any after 6 months; it’s only after 2 years that these hard inquiries are removed.

Second is that while many credit inquiries are legitimate (when you request the credit you often sign in some form an authorization to check or inquiry (“ping”) your credit, and giving this authorization is especially easy to do and not realize doing if you go through the process online), it is also true that certain requests for your credit are unauthorized and both should and can be removed with a letter stating this.

Unauthorized requests most often include those made by debt collectors or collection agencies. These are in no way authorized by you because the debt collector or collection agency bought your unpaid debt from the creditor for pennies on the dollar without your permission.

While there likely was some form of legal agreement when you accepted the credit from the creditor that the creditor is authorized to sell the debt if it is not paid according to certain terms, this does not mean the debt collector or collection agency has authorization to check your credit.

Moreover, if they do so, they can simply do it such that it does not appear publicly. As they are not extending you credit (and creditors extending credit ping your credit publicly as a way to ensure, as pinging was intended, that consumers do not overextend themselves), there is no purpose other than illegal intimidation for a debt collector or collection agency to check your credit such that this check is visible to other creditors. They (collection agencies or debt collectors) want negatively impact your credit score as a way to manipulate you into paying what they’re asking as soon as possible.

Another instance in which you do want the inquiry removed is when creditors choose not to extend credit after publicly checking your credit as, depending on the number of inquiries you have, this can preclude you for two years from getting other credit with which to use and use to your advantage (I.e., to build up your credit report).

By: Soccer9040

Soccer9040 — Wed, 06 Jan 2010 14:03:02 +0000

I just tried this online when I was disputing another item (my credit limit being reported on both my Chase cards) I’ll let you know what happens.

It was AT&T who did the inquiry. I have Uverse from them, but that shouldnt warrant a hard pull for cable service. I never authorized it.

By: eric

eric — Fri, 25 Dec 2009 22:18:22 +0000

I did this for a family member and we just chose to do it online because it was easiest.

By: BrianC

BrianC — Sat, 19 Dec 2009 15:39:11 +0000

EXCELLENT templates. I’m not sure it would necessarily be worth it in most cases, but nice to know that an effort can be made if needed.

By: Shirley

Shirley — Sat, 19 Dec 2009 12:17:02 +0000

Thank you, Jim.
I copied your sample letter to MS Word and saved it as a template (.dot).
Though I may never need it, I know a young man who most likely will.

By: Izalot

Izalot — Fri, 18 Dec 2009 02:04:22 +0000

Pretty good advice. I’m on the fence though, whether to go through the trouble unless there were several hard inquiries.

By: Ken

Ken — Thu, 17 Dec 2009 20:46:41 +0000

One thing to note is that some banks do a hard credit pull when you apply for checking accounts and other deposit accounts. Also, some credit unions do a hard pull when you join.

By: John DeFlumeri Jr

John DeFlumeri Jr — Thu, 17 Dec 2009 19:23:35 +0000

“Remove Inquiry Letter” That is great advice, and thanks for the contact info for the bureaus too.

John DeFlumeri Jr