How do I remove this from my credit report?

Question

All of this is from applying for a vehicle & trying to build my credit, I didnt apply for all of these at different times. Some were through those companies that say they can get you approved and this is what has happened to my credit.TOTCRDTSRV 06/27/07 Miscellaneous And Public Record
CITIFINANC 06/25/07 Finance
THD/CBSD 06/25/07 Finance
HFC 06/02/07 Finance
CITIFINANC 06/01/07 Finance
CITIFINANC 05/14/07 Finance
CSC MTGE 05/01/07 Miscellaneous And Public Record
USBK 04/23/07 Banking
COMBK CNSM 04/20/07 Banking
GREATSTHBK 04/20/07 Finance
WELLSFARGO 04/20/07 Finance
AMERICRDT 04/19/07 Finance
CAP ONE AF 04/19/07 Finance
CHASE 04/19/07 Banking
HSBC AUTO 04/19/07 Finance
PRMRAUTO 04/19/07 Automotive
TRIADFINCO 04/19/07 Finance
WACHDLRSRV 04/19/07 Finance
BLU SPGS F 04/18/07 Automotive
HSBC AUTO 04/18/07 Finance
JFMOTORS 04/18/07 Automotive
This is just half the list
LESSON LEARNED!!!
Loads of inquires

Answer 1

Wow, you are tanking your score with that many inquiries man!!! They don't drop off until 2 years.

Anytime you car shop, a dealer can submit your file to as many banks as he/she thinks will finance you. So inquiries can quickly add up.

Really, you can't do anything but suck it up. Companies are not obliged to remove inquiries if they had permissible purpose to view your credit.

I guess you could start with a couple goodwill letters to those creditors, but I'm pretty sure that will get you no where.

Inquiries hurt more when you have lower than average credit, more or less (YMMV) 4-5 points per inquiry, so watch out!

Answer 2

Call the toll free number to "opt out" of pre-approvals.

1-888-5-OPT-OUT

http://www.ftc.gov/bcp/conline/pubs/credit/prescreen.shtm

Answer 3

Auto finance is what I do for a living and in the terms and conditions listed on the credit application that you signed at every dealer you went to is a clause that allows them to send you to as many lenders as needed to try and get you approved.

So to make a long story short, you can't get these removed because they are legitimate.