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Originally Posted by rayne428  I called Lexington and asked them and they said that they don’t do anything about the inquiries on a credit report , so I guess its ok for me to try and get some of them deleted on my own ? |
Absolutely not. If you send them a dispute, while Lexington is disputing in your name, it extends the investigation. It doesn't matter if they are pertaining to 2 different things.
Inquiries fall off after 2 years and almost have no impact after 90 days in most cases.
Inquiries are often not worth the trouble it takes to have them removed. IMO inquiries are rarely worth disputing. Dealing with the CRAs is not easy and can often bring about unintended consequences. If they catch you slipping, they will make you pay for it.
All I'm saying is that it is definitely possible to have something negative come from disputing items on your credit report. I've seen plenty of people jump into credit repair without know what they're doing and ruin their credit for many years to come. Once that happens, your credit is usually irreparable.
The credit repair process takes patience and understanding. One wrong move or bad advice from a "credit repair expert" can mean the difference between getting approved for a loan and being denied for years to come. This stuff is way too important to mess with if you don't know what you're doing.
You have hired Lexington. They are the best. Let them do their thing.
