2007-01-25 12:07:49 · 4 answers · asked by lou 1 in Business & Finance ➔ Credit
i didnt authorize these inquiries, what should i do?
2007-01-25 12:43:22 · update #1
If you pulled your credit and saw some inquiries you didnt authorize, it is usually because companies can do a "soft" inquiry which they use to determine what kind of loan/how much to offer you. These do not affect your credit. A "hard" inquiry is where you actually apply for credit, which will affect your score.
2007-01-25 12:30:13 · answer #1 · answered by Scott B 3 · 0⤊ 0⤋
You can dispute anything on your credit report. It doesn't matter if it is legitimate or not. You have the right under the Fair Credit Reporting Act to dispute any information on your credit report. The credit reporting agencies have 30 days to investigate your dispute. And they will take up every one of those 30 days too. If they cannot validate the information in that 30 days they must remove it. So if you tell them that you did not authorize the inquiries to your report, and they cannot prove that you did authorize the inquiries, they MUST remove them.
If you have any questions regarding credit issues you may email me at nebula7693@yahoo.com
2007-01-25 12:52:22 · answer #2 · answered by nebula7693 4 · 0⤊ 0⤋
Inquiries? Why?
2007-01-25 12:20:24 · answer #3 · answered by David 3 · 0⤊ 0⤋
yes
2007-01-25 12:15:40 · answer #4 · answered by Dawn H 3 · 0⤊ 0⤋