Excessive Credit Report Inquiries

Author: sam
Guest
Posted: Fri Mar 26, 2004 7:08 am
Post subject: Strategies for deleting Inquiries

Anyone want to share strategies for deleting inquiries. Recently, I went auto shopping and the dealer and banks slapped like 8 EFX inquiries on me when the dealer told me it was just going to be one, and that they would just fax the EFX report to the banks. All the banks pulled an additional EFX report the same day. Although EFX says all the auto inquiries count as one, I was denied a personal loan due to excessive inquiries shortly after. Credit Guru Deletion Strategies Please!

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2132
Location: Illinois
Posted: Fri Mar 26, 2004 10:44 am

It is all trial & error when disputing inquiries. Sometimes calling in disputes will get you there, sometimes you have to mix it up with writing in dispute or disputing on line. I have not disputed inquiries with Equifax, but I have terrible luck so far with TransUnion (keep trying online) and they keep sending me a letter saying that it is just a matter of fact and that they won't investigate. Don't settle for that though, because inquiries do affect the credit scoring and if you did not authorize then dispute by all

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