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Removing Experian Inquiries Experts please help

#1

User is offline   CreditGod 

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Posted 07 September 2007 - 08:30 PM

If anyone knows exactely how to remove Experian inquiries please let me know I will send them step by step instructions on how to remove Transunion inquiries and Equafax or CSC inquiries and also give them the phone numbers and the exact verbage to use when on the phone. I normally charge for this info but i want to know exactly how to get them off Experian. Thank you Please don't respond if you don't know how to remove the inquires.

#2

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Posted 07 September 2007 - 08:30 PM

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#3

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Posted 07 September 2007 - 08:37 PM

View PostCreditGod, on Sep 7 2007, 09:30 PM, said:

If anyone knows exactely how to remove Experian inquiries please let me know I will send them step by step instructions on how to remove Transunion inquiries and Equafax or CSC inquiries and also give them the phone numbers and the exact verbage to use when on the phone. I normally charge for this info but i want to know exactly how to get them off Experian. Thank you Please don't respond if you don't know how to remove the inquires.



You're soliciting on this board. This is not allowed.

I'll tell you for free exactly how to get them off of Experian, but you have to do this in open forum.

I won't charge you anything at all.

One condition...............YOU GO FIRST!
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#4

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Posted 07 September 2007 - 08:58 PM

I bet you don't know how but for fun here it goes to remove them off Equafax you call 800-846-5279 this is a direct number it takes about 8 minutes to get someone on the line when they do tell them you just signed up with true credit and noticed a bunch of inquiries that you don't know about and that you would like to dispute the permissable purpose then read them of to the cr and they will come off in about 6 hours if you live where your file is owned by CSC you call this number 800-766-9686 that is a direct number to their department that sells services to mortgage companies ask to speak to consumer assitance they will put that department on the phone and then tell them the same story above.

I have worked very hard for these numbers so if you are going to tell me to call experian than give me a number or a fax number to use don't tell me to call them and not give me a good number. I will explain how to get the inquiries off Transunion as soon as you respond with a real answer.

I didn't join to try to get anyone to pay me for service but only to start answering real questions I have been doing credit work for four years I just wanna get better at my job.

#5

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Posted 07 September 2007 - 09:04 PM

View PostCreditGod, on Sep 7 2007, 06:58 PM, said:

I bet you don't know how but for fun here it goes to remove them off Equafax you call 800-846-5279 this is a direct number it takes about 8 minutes to get someone on the line when they do tell them you just signed up with true credit and noticed a bunch of inquiries that you don't know about and that you would like to dispute the permissable purpose then read them of to the cr and they will come off in about 6 hours if you live where your file is owned by CSC you call this number 800-766-9686 that is a direct number to their department that sells services to mortgage companies ask to speak to consumer assitance they will put that department on the phone and then tell them the same story above.

I have worked very hard for these numbers so if you are going to tell me to call experian than give me a number or a fax number to use don't tell me to call them and not give me a good number. I will explain how to get the inquiries off Transunion as soon as you respond with a real answer.

I didn't join to try to get anyone to pay me for service but only to start answering real questions I have been doing credit work for four years I just wanna get better at my job.


So you just dispute any and all hard inq's whether they are legit or not?
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#6

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Posted 07 September 2007 - 09:05 PM

oh...so you're encouraging people to have a fraud alert put on against their wishes...and you're convincing people to do something that's VERY likely to get POSITIVE TLs deleted...


if that's how you do "credit work", I STRONGLY suggest that you find a new line of work until you learn a lot more...because based upon what you just posted, you've got a LOT to learn
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#7

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Posted 07 September 2007 - 09:06 PM

OK...........so you answered the Equifax/CSC part.

Numbers easily found.

You now have to explain TransUnion.

and, in case you haven't noticed this is not an even exchange.
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#8

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Posted 07 September 2007 - 09:25 PM

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works

#9

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Posted 07 September 2007 - 09:29 PM

Why Why Why!
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#10

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Posted 07 September 2007 - 09:30 PM

View PostCreditGod, on Sep 7 2007, 09:25 PM, said:

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works



horse hockey....


TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted...

CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers"


I don't understand the law?


I don't know what litigation works?

you my friend are certifiable....


"what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them...


each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please....


btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work...

the other probably the way your company does it...which isn't quite as legal
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Why NOT to dispute online
CA selling your disputed account?
1-2 punch details
One of my rants
Co-signer in Illinois?
and another rant
Got a Chaudry letter?

#11

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Posted 07 September 2007 - 09:35 PM

tap tap tap tap.

still waiting on the TransUnion response.

Then I'll divulge the Experian information, which will also work for the others.
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#12

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Posted 07 September 2007 - 09:39 PM

View Postpryan67, on Sep 7 2007, 09:30 PM, said:

View PostCreditGod, on Sep 7 2007, 09:25 PM, said:

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works



horse hockey....


TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted...

CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers"


I don't understand the law?


I don't know what litigation works?

you my friend are certifiable....


"what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them...


each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please....


btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work...

the other probably the way your company does it...which isn't quite as legal


ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know
you can email me direct if you wont.

#13

User is offline   LKH 

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Posted 07 September 2007 - 09:42 PM

View PostCreditGod, on Sep 7 2007, 07:39 PM, said:

View Postpryan67, on Sep 7 2007, 09:30 PM, said:

View PostCreditGod, on Sep 7 2007, 09:25 PM, said:

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works



horse hockey....


TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted...

CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers"


I don't understand the law?


I don't know what litigation works?

you my friend are certifiable....


"what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them...


each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please....


btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work...

the other probably the way your company does it...which isn't quite as legal


ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know
you can email me direct if you wont.


Do us a favor, you have no clue what you are talking about, so take this garbage elsewhere.
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#14

User is offline   MarvBear 

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Posted 07 September 2007 - 09:43 PM

what is it, that you don't understand about a public discussion in an open forum???????

NO EMAILS. I will ask admin to disable that ability for your account.

I want this all out in the open.


the TransUnion response please.
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#15

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Posted 07 September 2007 - 09:47 PM

View PostLKH, on Sep 7 2007, 09:42 PM, said:

View PostCreditGod, on Sep 7 2007, 07:39 PM, said:

View Postpryan67, on Sep 7 2007, 09:30 PM, said:

View PostCreditGod, on Sep 7 2007, 09:25 PM, said:

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works



horse hockey....


TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted...

CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers"


I don't understand the law?


I don't know what litigation works?

you my friend are certifiable....


"what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them...


each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please....


btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work...

the other probably the way your company does it...which isn't quite as legal


ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know
you can email me direct if you wont.


Do us a favor, you have no clue what you are talking about, so take this garbage elsewhere.

I guess you don't know what reason codes are either their are over 50 of them just google it credit score reason codes

i just want an answer to my question i guess no one on here knows a real answer

#16

User is offline   pryan67 

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Posted 07 September 2007 - 09:49 PM

View PostCreditGod, on Sep 7 2007, 09:39 PM, said:

ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know
you can email me direct if you wont.



hmmmm...3 INQs are 10 points? that's 3 points each...not 3...

as for not understanding...trust me...I guarantee you that I understand far more about this than you ever will



now...let's see...you know all about FCRA, yet you really believe that if you remove a TL it will come back next month when the creditor re-reports it? ummm....care to explain that?

by your math, I should gain 38 points...where do the other three go? Did they fall out of the bucket?

I KNOW...what if I go out and apply for a lot of things...say...100....

then I empty the bucket....assuming mine doesn't have a hole in it....

then I'll gain 200 points...

WOOHOO!!!!
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Please note, I am NOT an attorney. This is NOT legal advice. This is my opinion, and you should ALWAYS consult with an attorney concerning any legal issues.


Posted Image---Posted Image

Posted Image

Why NOT to dispute online
CA selling your disputed account?
1-2 punch details
One of my rants
Co-signer in Illinois?
and another rant
Got a Chaudry letter?

#17

User is offline   pryan67 

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Posted 07 September 2007 - 09:52 PM

View PostCreditGod, on Sep 7 2007, 09:47 PM, said:

View PostLKH, on Sep 7 2007, 09:42 PM, said:

View PostCreditGod, on Sep 7 2007, 07:39 PM, said:

View Postpryan67, on Sep 7 2007, 09:30 PM, said:

View PostCreditGod, on Sep 7 2007, 09:25 PM, said:

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works



horse hockey....


TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted...

CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers"


I don't understand the law?


I don't know what litigation works?

you my friend are certifiable....


"what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them...


each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please....


btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work...

the other probably the way your company does it...which isn't quite as legal


ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know
you can email me direct if you wont.


Do us a favor, you have no clue what you are talking about, so take this garbage elsewhere.

I guess you don't know what reason codes are either their are over 50 of them just google it credit score reason codes

i just want an answer to my question i guess no one on here knows a real answer



an answer to which question? You have yet to give a real answer yourself...all you've suggested is disputing legitimate INQs, which you know (or should know) is a BAD idea...
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Please note, I am NOT an attorney. This is NOT legal advice. This is my opinion, and you should ALWAYS consult with an attorney concerning any legal issues.


Posted Image---Posted Image

Posted Image

Why NOT to dispute online
CA selling your disputed account?
1-2 punch details
One of my rants
Co-signer in Illinois?
and another rant
Got a Chaudry letter?

#18

User is offline   LKH 

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Posted 07 September 2007 - 09:53 PM

View PostCreditGod, on Sep 7 2007, 07:47 PM, said:

View PostLKH, on Sep 7 2007, 09:42 PM, said:

View PostCreditGod, on Sep 7 2007, 07:39 PM, said:

View Postpryan67, on Sep 7 2007, 09:30 PM, said:

View PostCreditGod, on Sep 7 2007, 09:25 PM, said:

They don't remove trade lines for removing inquiries where you got that info is dead wrong they dont link them together like that all trade line info is on a data tape that reports each month or quater or yearly the iquiries are kept on TU EX EQ outbound system not their internall system I'm just telling you how to remove the inquiries the law states the you have the right dispute anything on your report if the creditors don't respond back that is their fault not yours that is why people charge money to do the work because you don't know what to do because you don't understanf the law

You probably don't know how to add real trade lines either or know what litigation works is each inquiry is worth 2 points upto aroun 35 points so you can do what ever you want im just telling you what works



horse hockey....


TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted...

CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers"


I don't understand the law?


I don't know what litigation works?

you my friend are certifiable....


"what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them...


each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please....


btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work...

the other probably the way your company does it...which isn't quite as legal


ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know
you can email me direct if you wont.


Do us a favor, you have no clue what you are talking about, so take this garbage elsewhere.

I guess you don't know what reason codes are either their are over 50 of them just google it credit score reason codes

i just want an answer to my question i guess no one on here knows a real answer


I've asked you twice now if you know who discovered "fill the bucket"? I guess you don't have a real answer.
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#19

User is offline   CreditGod 

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Posted 07 September 2007 - 09:56 PM

View PostMarvBear, on Sep 7 2007, 09:43 PM, said:

what is it, that you don't understand about a public discussion in an open forum???????

NO EMAILS. I will ask admin to disable that ability for your account.

I want this all out in the open.


the TransUnion response please.

Ok here it goes Transunion only hold 40 inquiries hard or soft sign up with true credit for 15 bucks you can pull you credit every 24 hours and 1 minut example start on a monday at 9 am you can repull teusday 9:01 am these are soft inquiries if you have 17 hard inquiries on your transunion report once you pull 23 soft inquiries you bucket is full the next time you pull a soft inquiry your oldest one will be pushed out of the bucket that is why people who do credit work call it bucket filling or you might of herd of bompage. it really works and it only cost you 15 bucks

I know you don't know how to remove experian inquiries because if you did you would know how to do the other two but please help me find someone who does

like i said i am new to these things but i probably wont be back because alot of people don't understand how scoring work and all i do is look at scores every day

#20

User is offline   pryan67 

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Posted 07 September 2007 - 10:01 PM

View PostCreditGod, on Sep 7 2007, 09:56 PM, said:

View PostMarvBear, on Sep 7 2007, 09:43 PM, said:

what is it, that you don't understand about a public discussion in an open forum???????

NO EMAILS. I will ask admin to disable that ability for your account.

I want this all out in the open.


the TransUnion response please.

Ok here it goes Transunion only hold 40 inquiries hard or soft sign up with true credit for 15 bucks you can pull you credit every 24 hours and 1 minut example start on a monday at 9 am you can repull teusday 9:01 am these are soft inquiries if you have 17 hard inquiries on your transunion report once you pull 23 soft inquiries you bucket is full the next time you pull a soft inquiry your oldest one will be pushed out of the bucket that is why people who do credit work call it bucket filling or you might of herd of bompage. it really works and it only cost you 15 bucks

I know you don't know how to remove experian inquiries because if you did you would know how to do the other two but please help me find someone who does

like i said i am new to these things but i probably wont be back because alot of people don't understand how scoring work and all i do is look at scores every day



but what if there's a hole in your bucket like in the other thread?

how are you new to these things, since you've been "doing credit work for 4 years"?

YOU don't know SQUAT about how scoring works...or about credit reports or the laws which protect consumers....

you've taken information that others have discovered and you're passing it off as your own, and doing a piss poor job of it.
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Why NOT to dispute online
CA selling your disputed account?
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#21

User is offline   Cubsin07 

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Posted 07 September 2007 - 10:07 PM

View PostCreditGod, on Sep 7 2007, 08:30 PM, said:

If anyone knows exactely how to remove Experian inquiries please let me know I will send them step by step instructions on how to remove Transunion inquiries and Equafax or CSC inquiries and also give them the phone numbers and the exact verbage to use when on the phone. I normally charge for this info but i want to know exactly how to get them off Experian. Thank you Please don't respond if you don't know how to remove the inquires.



Since nobody else will let you in on the secret about Experian inquires going bye-bye I guess I will.........







































Ready?





















OK, here goes..........





























WAIT 25 MONTHS
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#22

User is offline   CreditGod 

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Posted 07 September 2007 - 10:08 PM

View Postpryan67, on Sep 7 2007, 10:01 PM, said:

View PostCreditGod, on Sep 7 2007, 09:56 PM, said:

View PostMarvBear, on Sep 7 2007, 09:43 PM, said:

what is it, that you don't understand about a public discussion in an open forum???????

NO EMAILS. I will ask admin to disable that ability for your account.

I want this all out in the open.


the TransUnion response please.

Ok here it goes Transunion only hold 40 inquiries hard or soft sign up with true credit for 15 bucks you can pull you credit every 24 hours and 1 minut example start on a monday at 9 am you can repull teusday 9:01 am these are soft inquiries if you have 17 hard inquiries on your transunion report once you pull 23 soft inquiries you bucket is full the next time you pull a soft inquiry your oldest one will be pushed out of the bucket that is why people who do credit work call it bucket filling or you might of herd of bompage. it really works and it only cost you 15 bucks

I know you don't know how to remove experian inquiries because if you did you would know how to do the other two but please help me find someone who does

like i said i am new to these things but i probably wont be back because alot of people don't understand how scoring work and all i do is look at scores every day



but what if there's a hole in your bucket like in the other thread?

how are you new to these things, since you've been "doing credit work for 4 years"?

YOU don't know SQUAT about how scoring works...or about credit reports or the laws which protect consumers....

you've taken information that others have discovered and you're passing it off as your own, and doing a piss poor job of it.

I'm new to blog boards not credit i never said that i discoverd these things only that i use them i wish we could fax in before and afters i have alot of refrence cases that i could show you and who ever just like removing as an authorized user from a credit card that has a 30 day late that just happened made a persons credit jump a 130s point from 684 to a 724 and i have proof that happened with a phone call and a rapid rescore through CSC credit services but i guess i dont know anything do I

#23

User is offline   radi8 

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Posted 07 September 2007 - 10:13 PM

View PostCreditGod, on Sep 7 2007, 09:56 PM, said:

Ok here it goes Transunion only hold 40 inquiries hard or soft


You've got to be kidding. We've had a thorough explanation of this in our newbies forum for a couple of years now, lol. It's not exactly a big secret.

Equifax will delete inquires for the asking in most cases.
Problem is, they often consider it a "dispute" and notify the creditor that you've disputed their inquiry.
That leaves the creditor wondering who- if you didn't authorize the inquiry- opened the account, and they'll consider it fraud and close it for you.

Experian: there used to be some backdoor methods to dispute INQ's, but those are closed now.
They very rarely delete for the asking.

If you think you can even attempt to assign a FICO point value to an inquiry, you haven't been studying FICO for very long, lol. It all depends on the rest of the report. 5 INQ's may be relatively harmless in certain situations, in others those same 5 may kick your score right down the stairs.
Sometimes the first one is a "freebie", other times the first inq is the most costly.
Trying to say they are roughly 2 points apice is plain wrong. Could be none, could be 20.
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#24

User is offline   radi8 

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Posted 07 September 2007 - 10:16 PM

View PostCreditGod, on Sep 7 2007, 10:08 PM, said:

and i have proof that happened with a phone call



Au accounts can always be removed with a phone call.
The authorized user has no financial responsibility for the account.
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#25

User is offline   pryan67 

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Posted 07 September 2007 - 10:18 PM

View PostCreditGod, on Sep 7 2007, 10:08 PM, said:

View Postpryan67, on Sep 7 2007, 10:01 PM, said:

View PostCreditGod, on Sep 7 2007, 09:56 PM, said:

View PostMarvBear, on Sep 7 2007, 09:43 PM, said:

what is it, that you don't understand about a public discussion in an open forum???????

NO EMAILS. I will ask admin to disable that ability for your account.

I want this all out in the open.


the TransUnion response please.

Ok here it goes Transunion only hold 40 inquiries hard or soft sign up with true credit for 15 bucks you can pull you credit every 24 hours and 1 minut example start on a monday at 9 am you can repull teusday 9:01 am these are soft inquiries if you have 17 hard inquiries on your transunion report once you pull 23 soft inquiries you bucket is full the next time you pull a soft inquiry your oldest one will be pushed out of the bucket that is why people who do credit work call it bucket filling or you might of herd of bompage. it really works and it only cost you 15 bucks

I know you don't know how to remove experian inquiries because if you did you would know how to do the other two but please help me find someone who does

like i said i am new to these things but i probably wont be back because alot of people don't understand how scoring work and all i do is look at scores every day



but what if there's a hole in your bucket like in the other thread?

how are you new to these things, since you've been "doing credit work for 4 years"?

YOU don't know SQUAT about how scoring works...or about credit reports or the laws which protect consumers....

you've taken information that others have discovered and you're passing it off as your own, and doing a piss poor job of it.

I'm new to blog boards not credit i never said that i discoverd these things only that i use them i wish we could fax in before and afters i have alot of refrence cases that i could show you and who ever just like removing as an authorized user from a credit card that has a 30 day late that just happened made a persons credit jump a 130s point from 684 to a 724 and i have proof that happened with a phone call and a rapid rescore through CSC credit services but i guess i dont know anything do I



WOW!!! You mean to tell me that you got an AU account removed from someone's report? AMAZING!!!!

no...you don't know anything...

let me make some guesses about you...tell me how close I am


you own your own "company"...claiming to fix people's credit...you charge what...50 bucks each TL?

you're from the south...Texas maybe? you fiiled BK yourself a few years ago and you're your own "success story" (since you claim to have been doing this for 4 years...I figure you filed in what...2000, 2001? Learned what you needed to learn by using google, then figured you'd charge people to do it for them)

now...for that 50 bucks per TL...you fire off blanket dispute letters...hopefully with better spelling than you have here...and if things come off, great..if not...then you just fire off another dispute letter



do you know what a Chaudry letter is?

familiar with Johnson V Equifax?
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Please note, I am NOT an attorney. This is NOT legal advice. This is my opinion, and you should ALWAYS consult with an attorney concerning any legal issues.


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Why NOT to dispute online
CA selling your disputed account?
1-2 punch details
One of my rants
Co-signer in Illinois?
and another rant
Got a Chaudry letter?



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