Credit Tips: Unwanted Credit Card Inquiries on Credit Report

Posted On: February 1, 2006

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Posted: Thu Jan 13, 2005 12:32 am
Post subject: Unwanted Credit Card Inquiries on Credit Report
George
Date: 7/28/2000 5:43 pm CDT

I recently requested a copy of our (mine & my husbands) credit history-
there were several “inquires” from unsolicted businesses (in fact, one
company had checked our credit four times over a period of several months-
prior to this time I had an account with them but it had been closed for
several years). I understand the more credit inquiries a person has, the
lower their ratings will be, if this is correct how can businesses receive
credit reports on people without permission? And if they are not supposed
to pull credit reports without permission - how can there credit checks be
removed from our reports?

archive
Posted: Thu Jan 13, 2005 12:33 am
Post subject: Unwanted Credit Card Inquiries on Credit Report

Board Monitor - AD
Date: 7/28/2000 7:49 pm CDT

Dear George,

I would contact the credit bureaus on your issue, try first Experian at 800-392-1122 or http://www.experian.com. They should be able to further assist you on this. Though I am not certain, I think that the majority of general inquiries made by outside businesses does not do any real harm, but I would double check with Experian on this.

Sincerely,
Alex D.
Author of “Credit Card Debt…”
CreditCardFreedom.com

NightStar
Posted: Sat Jan 22, 2005 9:29 pm
Post subject: Unwanted Credit Card Inquiries on Credit Report

Usually during the life of the account having been open a creditor can pull credit reports any time during that period, but it should show up on credit report as a soft inquiry an account review.

After the account has been closed there is no continued reason for them to be pulling a credit report regardless if it is a soft hit, or hard hit to the credit score.

I would suggest when finding a inquiry of this sort, to first pull credit report to determine if it is a soft hit or hard hit, if it is a soft hit, you may just contact the bank and inform them that they are not authorized to be doing this, and that they best cease accessing your credit report.

If it is a hard hit, then submit a dispute through each of the credit reporting agencies, if the agencies refuse to accept dispute, then contact the FTC to file a dispute through their new dispute referral program.

And also contact the creditor to dispute the inquiry and request that they remove this off of your credit report.

There is a $2,500 fine for unauthorized access, and you can read through the Fair Debt Collection Practices Act for more information on that matter.

www.ftc.gov
_________________
Best Regards,
Pammila Phillis
Board Monitor
http://www.cardratings.com
501-663-0314 PH