I disputed inquiries. Here are the results...

[scorch]

In reference to inquiries not attached to any tradelines, I started out with 2 with Equifax, 4 with TransUnion and 8 with Experian.

With this round of disputes, I received the quickest responses from each CRA. All I had to write was, "To whom it may concern, the following inquiries are inaccurate, please verify or delete them as soon as possible. Thank you. (list companies)"

After about two weeks, I received letters from both Equifax and TransUnion. Neither of them included a free credit report. Equifax deleted the two inquiries, no questions asked.

Transunion responded with a letter saying that all inquiries remain on my credit report for 2 years and if I do not believe the companies had permissible purpose, then I am to contact each one in writing.

The next day, I received a response from Experian. Their response goes along the lines with what TransUnion said, except they decided to mention that federal law requires that my credit report must list all organizations that have requested my credit history and that they are to remain on my credit report for two years. Surprisingly, they decided to include a full credit file.

[Trish]

Well, at least you got them off of EQ!
I've heard that getting inquiries off by disputing them is not easy.
Yeah.....if you don't think they had permissible purpose, you can send them a non PP letter. Otherwise.......bumpage would be the only other way (and I don't even know if that works anymore).

[scorch]

I've had inquiries removed EQ in the past by disputing, which is why I only had 2. Only this time I decided to try with TU and EX.

[Trish]

Scorch, I didn't realize you could dispute inquiries online with EQ.....
I tried it about a week or so ago........they deleted EVERY SINGLE ONE that I disputed! Holy cow! I disputed like 7 or 8.

I don't usually like to dispute online because it's all automated.......but for inquiries I thought.........what the hell. I honestly did not think they would delete all of them.

[scorch]

Yea, they seem to be the only one that will delete them. They don't even seem to ask questions. This strategy will raise your score for sure. Now - if we can only find some decent creditors that check EQ.

[jastokes02]

can someone tell me where you dispute the inquiries at online with them? i was on there yesterday and tried??

[jjgross]

Originally Posted by jastokes02

can someone tell me where you dispute the inquiries at online with them? i was on there yesterday and tried??

I had the same problems.Try calling them and see if they'll tell you.

[cashman]

Originally Posted by Trish

Scorch, I didn't realize you could dispute inquiries online with EQ.....
I tried it about a week or so ago........they deleted EVERY SINGLE ONE that I disputed! Holy cow! I disputed like 7 or 8.

I don't usually like to dispute online because it's all automated.......but for inquiries I thought.........what the hell. I honestly did not think they would delete all of them.

Note! EQ will only remove the INQ' from companies you do not have an account with. Also AMEX INQ' will not be removed either, even if you don't have an account with them. They will however delete multiple INQ's from the same creditor within a few months, at least that is my experience.

Trick I have learned. As soon as an INQ' shows up in EQ dispute it, don't wait! This way they delete INQ's even if you are approved and the account actually shows up on your report eventually!