What is the easiest and fastest way to get Inquiries removed from my credit reports?

Question

I was buying a car and I notice, on my credit report, that Car Max ran my credit 9 times in one day. This has lower my credit score tremendously.

Answer 1

On your favorite search engine, type "credit dispute letter", and you'll have three or four sites pop up that offer template letters to send to Equifax, TransUnion, and Experian 'disputing' the inquiries as either fraudulent, undesired, or untrue. The credit bureau will have 30 days (not an hour more) to verify all of this with Car Max. If car max can't send documents showing that the inquiries were all valid, then the bureaus HAVE TO remove the items from your credit history. If Car Max manages to send documents, just send another letter. Chances are that Car Max is busy enough with other things that it won't care to send anything... but in any case, it won't cost you anything more than a stamp.

Answer 2

From the past experience that I've had is that if you're buying a car, a dealer/lender can pull your credit a considerable amount of time, but however if you're serious about purchasing a car the dealerships/lenders take that into consideration. Once you've purchased the car, a suggestion is that you can either write a letter to the credit bureaus in order to have it removed or you can enlist the services of a professional (i.e. Lexington Law Firm http://www.lexingtonlaw.com/) and you can retain their services not only to try to clear up inquiries but inaccuarte or misleading information on your report as well.

Answer 3

You need to contact CarMax directly and have them remove all but the first check. Explain that if they do not, you will report them to the FTC and will contact each and every credit reporting agency to ensure that these are removed.

Further explain to them that you will hold them liable for the lowering of your credit score and will seek financial restitution for compensation of the difference between the interest rate your would have qualified for and the interest rate you now qualify for due strictly to their fraudulent actions.

that'll wake them up. :-)