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Found 23 results

  1. Can one of my in house experts please explain how 3 inquiry removals added up to a 48 point increase?? Believe me I'm not complaining but Nanna always said "if it's too good to be true then it probably is!" Any input would be appreciated.
  2. My head hurts. Any feedback is appreciated. TL;DR: House shopping. Credit union claims they have pulled my credit report(s) and received rather bad scores. I can find no evidence of either the pull or a reason for the bad scores. Background: My lease is up at the end of January and the goal is to have bought and move into a house by then (it is sooooo much cheaper to buy in my area vs. renting.) I figured I had adequate credit--not great, but no significant bad guys like collections or anything. My credit cards have always had low limits but I never really cared. I never carry a balance and I have a year and a half of student loan payments made on time ($21kish principle.) A credit union recently denied me preapproval with the following blurb: "I reviewed the information on the application and as part of a prequalification , I pulled the credit report. Unfortunately, your credit scores do not meet our minimum requirement of 620. Your scores were Beacon 469, Fair Isaac 571 and Fico 656. We take the middle score for the minimum. At this time you file will be forwarded to our denial department. You will receive a copy of your scores in the mail. You may want to request a copy of your credit report from Equifax." I understood that to mean they used FICO plus two other credit scores with only my Equifax report as input, but another poster here (shifter) has said that Beacon and Fair Isaac are code for Experian and Equifax, so I dunno. I'm curious about this, but at this point it is secondary. Ex and Eq put me through hell re: verifying my identity, but I finally got both paper reports (Ex as my free annual, Eq on the basis of denial of credit.) My annual Transunion report is ~8 months old, so I am disregarding it (but it doesn't have anything worth mentioning.) * Experian lists no inquiries whatsoever. * Equifax lists only inquiries from "Equifax", :"ND-Equifax", and "AR-Equifax". Equifax and AR-Equifax both have pulls on 11/6, whereas I received the above email on 11/5. Conceivably, there could be some kind of international date line weirdness going on here? That seems to be a bit of a stretch, though. There's no other inquiry anywhere near the timeframe in question. * I've just now signed up for USAA CCMP. No inquiries listed whatsoever on all three reports. * Note that I opted out years ago. * Experian's FAKO gives me 709 for all three reports, which they say is a bit over 43rd percentile. For whatever that's worth. * The only derogatory thing I can see are two late CC payments, not consecutive, about two years ago. As stated previously, I've been paying my student loan on time for the past year and a half (before that, it was in deferral) and the reports show this. * The credit union claims to have sent me a letter confirming those scores. I may have tossed it aside (though not in the trash) without opening it, or it may never have come... I can't recall. I plan on tearing the place apart looking for it when I get home. * Re: identity mixups, I have a fairly unusual name. There is not a single other individual alive with my first, middle and last name--I think I would bet my life on it. I would not quite bet my life, but at least my life's savings, that no one else with my first and last name exists. * Up until a couple months ago, my credit reports had been frozen for several years. * Immediately after I unlocked my reports (before the mortgage application), Comcast did a credit check on me and there was some kind of problem that required I go down to the office. The person in online chat said their system uses Equifax but I couldn't get them to be more specific about the nature of the issue. The person at the office frowned a bit, fiddled around for 2 or 3 minutes, and then said "oh!" and did something on his computer and the issue was fixed. I was out the door before I could think to ask what the problem was. ***There is no Equifax inquiry matching this date.*** * I just got approved for Home Depot's sorry-we-really-suck-at-computers credit report freebie thing, but right now I don't see the point in seeing the same story laid out for a third (or rather, the 7th, 8th & 9th) time. * Equifax made no comment on my claiming denial of credit. I sent them a sharply worded letter because of the runaround they were giving me re: identity verification and they interpreted it as an address dispute and sent me a dispute resolution based on that. (Which is weird because I wasn't trying to remove an address--I was essentially trying to add one.) So I could have received a report for that reason, though I am also due a free annual report from them. I just wrote a polite but somewhat sharply worded email to the credit union, but I thought I would ask 'round here before I send it. It's easy to assume a cockup on their end but... this is just too weird. There were apparently/supposedly two people personally overseeing my credit check (I got exasperated earlier about an unrelated red tape issue and complained hard-yet-politely enough that they suddenly started treating me with kid gloves in a way that only potential mortgage customers are treated. And millionaires, one assumes.) How could this have possibly happened? And what about the Comcast thing? I feel like I am missing something and I am too strung out, overworked and sleep deprived (10 month old... still colicky) to figure out what it is.
  3. I have a few soft inquiries from three CA's. I can not think of any reason for them pulling my credit. I get no correspondence from any of them. I do have a list of phone numbers that call me (I do not answer and they don't leave a message) and two of them are on the list ( Ol' Ed and First Nat'l). They are: Law Offices of Ed Overcash Account Discovery Sys First NTL Coll Bureau None of these show up as collections or anything on ANY of my CR's. There's only two things they can be calling about, one is for $127 for an insurance premium that I will probably never pay and the other is for, yes again, insurance for around $85. That's another story in itself for another time I was just wondering if I should call them and ask WTF are you pulling my credit for? And maybe cause them to hang themselves (my state allows me to record as long as one person >>>ME<<< gives permission to record the phone call). I don't think they would actually sue for $127 or $85 so I'd send them a limited C&D letter. It's just puzzling because there are no baddy's on my CR's related to them. Or should I just let sleeping dogs lie as the saying goes. Any advice?
  4. Does anyone know how sensitive some creditors are about inquiries? New accounts? For instance, does Citi care about inqs or new accounts that are 6 months old? Cap 1? Amex? When do certain creditors stop caring, 6 months? 12 months, or do some of them hold it against us for the full 2 years? I have gotten Cap 1 Ventures with a 15 inqs on Ex, 5 on Eq and 3 on TU and a lot of new accounts when they pulled the reports. Does that mean they don't care about inqs on 1 of the 3, or are they doing some kind of averaging since they pulled all 3?
  5. This is probably somewhere on CB but I haven't found it yet. If it is, please point me to the thread. I am curious if there is a BW-style spreadsheet that shows the net effect of inquiries from zero to say more than 10 with everything else held constant? I'm wondering if there is a maximum damage that can be done. I have read that inquiries cost about 4 points, but does that mean that 12 inquiries on the same CRA would cost 48 FICO points? I suspect there is a cap. I assume that people with clean reports who are regular B*ers have a good FICO reason to incur the cost of Quizzle Pro, etc., and the hassle of MPM 24+1 pulls. I'm just trying to figure out how much of a FICO gain people actually get. I realize the benefit on manual review of not having any inquiries show up for an U/W to see. I also realize that it is a YMMV based on your specific profile, but I'm looking for examples of how much FICO rises after B*ing off all inquiries. Thanks in advance for helping me understand this.
  6. I'm in the final throes of Escrow (Cross your fingers) and wanted to report on some weird Inquiry info they're pulling/reporting. This doesn't look like it"ll have any negative impact on my loan. I'm just reporting for information only and out of curiosity. Before the packet was submitted to the UW for conditional approval, I was asked to write a letter of explanation for the single inquiry on EX. The enquiry was over a year old for a CC I currently have. But the joint tri-merge the bank pulled showed the Inquiry with a different date. On their report it was dated just a few months back. This is not the case for any of the various sources I pull, including my real report. Last week, before submitting my final packet with Conditions to UW in order to get "clear to close" the processor said 2 more inquiries had popped up for which he needed letters of explanation. One was for a 8 month old CC that I have but the Inquiry date they have is September 2014. The Inquiry was B* from TU last spring. The other was from my only "shopping card trick" card from a year ago. As such, there was never an inquiry that I know of. It also shows an inquiry date of sometime in September 2014 (but different from the one above.) Working theories: They're also pulling from additional sources. Shopping cart cards get a hard inquiry on some other place Tri-merges are inaccurate, even for banks The bank has only disclosed that they use the big 3 CRAs I saw the initial report in October with the initial incorrect inquiry date. At first I thought the bank must have made a typo... Thoughts?
  7. I sent a FOAD letter to Portfolio Recovery Services on August 21st. They're attempting to collect an alleged debt that is pasy the SOL. The credit line for the debt is off my credit report, but Portfolio continues to come up in the "account review inquiries" section of my report. The last time they pulled my report was September 9th. My question: does portfolio have a legal right to check my credit report? I have told them I won't pay and not to contact me anymore... are they violating FCRA? Does the (soft) inquiry negatively impact my credit score? Thanks for the help!
  8. Hey Everybody! Today I thought I'd post my Hard Inquiry success story, I started my rebuild last October, when my scores were in the 400's and I applied everywhere trying to obtain credit, which resulted in a bunch of hard inquiries, most of which i was denied for, so after several months of disputing and many things being removed from my CR I noticed that if you get anything removed from TU, TU will re-send your CR to any hard inquiry you were denied credit for, but EQ and EX would not which didn seem so fair because they denied me credit based off of stuff that had been removed, so the idea came to mind that in that case they should remove their hard inquiry, since i would have to re-apply and then i might be denied because of too many inquriies, i started this venture with 12 IQ on EQ, 11 on TU and 7 on EX, so i called everyone that had denied me credit, some i could dispute it over the phone, some i had to write letters to and all inquiries that i was denied credit for have all been removed all except BarClay, they just sent me a letter saying they would not remove the hard inquiry, so i sent them another letter disputing their outcome, which i have yet to hear back from, but now am down to 4 inquiries on EQ, 5 since i just applied for an recieved a marathon gas card, 0 on EX and 3 on TU. here is a list of everyone that agreed to remove their hard inquries. 3x4=12 from Capital One, 1 of which they actually approved me and gave me a card:) 3 from Discover 1 from Citibank-Sears 2 from GECRB-JC Penny and Walmart (dont even know why i applied for Sears and Jcpenny's bcause im blacklisted from CO's 1 from Wells Fargo (which was for opening a bank account and they hit me with 2 hards, 1 of which they agreed to remove) 1 from Exxon and 1 from some auto loan place all it takes is some time and diligence and now im ready to re apply
  9. I was denied a credit card recently because of "too many inquiries in the past 12 months". I have about 5 in the past 6 months but they are not for CREDIT CARDS! 3 of them are for utility services- Verizon, AT&T, and a CONED electric, and the others are from Credit Union savings accounts I opened up. Why do they not differentiate the TYPE of Inquiry rather than just saying "Oh, it's a hard pull, so it's bad." ??
  10. The used car market is very agressive here and cars are moving very fast. I have a few cars I like at a dealership but I have to go through all the approval process etc. If in deed I get approved and they don't have any cars I want to buy will another hard pull or inquiry at another dealer hurt my credit? It's very Likely I may have to go to a different dealer as this one dealer only has a few cars in my price range. However there is another dealer with many more cars in my price range. My scores aren't that great and I don't want to sink my score and ruin my chances of getting approved somewhere. I also have about 4k I can put down on a car if I absolutely have to. I'm not sure if having 20 percent down matters.
  11. I've been rebuilding credit very slowly the last two years. I recently acquired a $4500 Chase Freedon card and a $1500 Barclays crd. Both inquiries show on Experian and Equifax, but not on TransUnion because I had it temporarily frozen. The Barlays acct is showing on all three but Chase hasn't hit yet (got card two weeks ago). I would like to go for one more card then cease for 6 months. I need a card that will access TransUnion or Experiian due to less inquiries and higher scores (around 725 each). Equifax has been hit recently due to inquiries, hurting my scores Myfico is 720 My two-part question: 1) Should I freeze my Equifax file and apply for another card like Citi, steering them to access TU or EXP? 2) Should I do it now before My Chase card hits, or after it hits since it's a higher limit that will appear? Good income (100k) if that's relevant
  12. I pulled my TU report today to try and remove my last IIB that's due to fall off in 5 months and as I was looking at the inquiries, under Account Review, this company showed up. I've never had an account with them, never received any offer from them, and have never been late on anything, except a 30 day on an old car loan that was paid off when I traded it in, and even that is almost 7 years old. I've never heard of them, nor do I have any old debt that could possibly be collected on. Everything's been squeaky clean since I filed BK7 in 2007. Odd that this showed up and it was just within the last month they pulled. I was going to dispute it but there was no place to dispute the inquiry since it was under Account Review category. MABT MILESTONE 8405 SW NIMBUS SUITE A BEAVERTON, OR 97006 (503) 350-4300 Requested On: 04/10/2014
  13. Hello, I have 7 Inquires in one year. That year started last April. I have not applied for anything since last April. I am ready for to do another card spree. How many Inquiries should I be concerned about?
  14. I have over 20 inquiries on my credit file, is it imperative that I have those deleted to increase my score? I am trying to get a 750 score on all 3 bureaus, I'm currently at 623
  15. Been reading tons but still unsure about my specific situation with TU. Advice is appreciated. I have one baddie on TU. I had disputed the baddie plus the address it was tied to, which is not mine. (I guess I disputed them at the same time and could have done a better job with it.) They removed the address thankfully, but marked the account as "updated". That was 9.5 months ago. Am I better off waiting until the 12 month mark to dispute it again or can I dispute it now? (I don't want to wait, because I'm hoping to refinance this summer but want to first get a secured card, etc.) And, EX has me on a 3 month fraud alert, which TU surely knows. Should I wait until that's gone? The 3 month is half over already. (Amazingly the same baddie got removed from EX recently, so I have hope that the collection agency is more lax now that's older. EX is hard to get removals with.) I also have 2 bad TU inquiries. They are law offices under the Regular Inquiries heading and over a year old, but I can't wait that long. (Unless the refinance officers won't look in detail at TU, so they won't see the bad INQs? Even if they don't, the bad INQs could prevent me from building up credit in the next 6 months.) I read all about doing B* and will if I have to, but maybe I should simply dispute the INQs with TU? Just that I didn't give permission for an INQ and have no business with those law offices. I have never disputed them before. Do I have to wait until the fraud alert expires? Should I wait on these until the baddie is gone?
  16. So Im preparing for my spree and just want to know what everyones opinion is on my current inq status! TU- 6 EXP-18 EQ-5 But, after this month (Dec 28) my inqs from my car excursion will be rolling off TU-3 EXP-3 EQ-3 Reason I would do it sooner is Im going to finish paying for my ladys ring and want those points, because Im proposing in January in HAWAII!! Currently TU-708 EXP-678 EQ-643 Please give me some advice!
  17. My CK score is now at 685 and has hit a plateau. I have only one current credit card, its about 12 yrs old, with a balance of 300 and limit of 4800. Three quick questions: 1. Average age on accounts is 8 yrs. I could call Amex and remind them of an account I used to have some 15 to 20 years ago. Will that help? 2. I have two inquiries from last year. How do I get rid of them? 3. I have two negatives. A charge-off from Discover which was last reported on March 2012. And a settlement with BofA last reported in Sep 2011. Any advice will be greatly appreciated!
  18. Hello all! Quick question to make sure I understand this concept correctly. Because it would really suck if I am wrong and apply! I am "pre-qualified" (via website) for multiple Capital One cards. I am rebuilding and need more unsecured cards. Lets say, hypothetically, I apply for three capital one cards. That's 3 pulls on each CRA. Nine total. My understanding, however, is that if I apply for all three on the same day, I will only incur ONE pull from Capital One on each CRA. Is that correct? I hate the triple pull, but if I can get multiple cards out of it, I'll do it. I just don't want to be wrong and end up with 9 inquiries. I'd cry! Thanks for the help!
  19. Hey guys, about a week ago I apped in-store for the Walmart Card, and the cashier said I had to call in. Called in, verified my identity, and the rep said instant approval for 1.5K, expect the card within 10 days. OK......... But I still do not have an INQ on none of the 3 bureaus, but it is already reporting to all 3. Past two apps have either hit TU or EX and were declined. Any explanation as to why no INQ has shown up yet?
  20. So for the last couple of days doing b*, I've noticed that all of sudden each day I'm seeing a different number of inquiries for TU. As of tonight, it is showing 4 inquiries on MPM and 2 inquiries on USAA. Anyone have any idea why?
  21. Hi CBers I was wondering how many INQs does AMEX consider too many? I currently have two (mortgage inqs; May/June 2013) and I was thinking of using about three more (AMEX BCE, Chase Freedom & Citi Dividend, Citi invited me to apply) for a total of 5 INQs and then back on ice EX goes. Thoughts?
  22. I have a CA that hit me with an inquiry in 2012 and I am writing them a nasty letter right now to tell them to delete it. Now I also have EX frozen. Will that impact them being able to delete the inquiry, assuming they even try? I froze so I could apply for a Chase card so they wouldn't pull EX but I got denied anyways. Just wondering if I should unfreeze before sending off my letter here. Does anyone have any experience with this? Thanks!
  23. So back in January I found out I was the victim of ID theft- someone applied for and received a Sears card and a Best Buy card using my information. Thankfully I have USAA monitoring so the problem was discovered in a matter of days. A police report was filed, and both accounts have been closed and deleted from my credit reports, but the inquiries for those accounts remain. I have fraud alerts on all three CRAs as a result of this ID theft, so is there any downside to disputing these INQs for removal? I'm going to be looking for an apartment and a car loan in August, and would like my report to be as clean and accurate as possible. Thanks!
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