Hard Inquiry on your Credit report

I've tried to contact the creditors that pull my credit report with out me authorizing it. they told me they can not remove it. I have to dispute it with the credit bureaus and they will do there investigation. on the other hand the credit bureaus are saying I need to call or send a letter to the creditors first and what ever result i get to send it to the credit bureaus. can anyone please help me. thanks Medwards.

medwards121203@comcast.net

dudes how do we know who did the hard inquiry?

I have had the same experience as "Medwards" above. Transunion says their is no way to dispute a hard inquiry from their end. I have to call the bottom-feeding collection company who ran a hard inquiry on me on a debt that is over 10 years old and ask them to send a letter to TransUnion and ask them to remove it. What are the changes the Collection agency is going to time and effort to do that for me? None!!! I don't think it is right that bottom-feeding collection companies can run "hard" credit checks long after collection accounts have expired. Soft credit checks, okay, but hard credit checks that affect your credit negatively for two years everytime they sell the debt to a new bottom feeder is wrong.

I am so frusterated!! I have a hard Inquiry on my credit from a collection agency who is trying to collect on a very OLD debt (the original creditor doesnt even exist anymore). I have sent letters to both the credit reporting agency and the the collection agency asking them to delete the unauthorized hard inquiry...experian says they cant remove it and to contact the collection agency. The collection agency ignores my requests though I have sent these dispute letters certified mail. What can I do to make this right?!?!?!?!

How long before an inquiry falls off?

I believe hard inquiries last for 2 months. You can have then disputed but only if you know it was done without your authorization

How I delete fro my credit the dispute? I apply for a home loan but they want to delete from my credit the dispute How can I do it?

Okay, while it's true that hard pull inquiries will stay on your credit report for two years--this is of interest only to lenders. And it's perfectly reasonable to have 1 to 2 inquiries at any given time.

However, the effect on your credit score lasts only for one year. For instance, your FICO score may take a modest 5 to 10 point hit immediately--but this gradually fades after 6 months and by the 13th month your credit score should be fully recovered from that hard pull.

Hard inquiries are the trade-off for opening new lines of credit--or applying for higher credit limits with some companies. Obviously, you should try to limit them to yearly events at best. Having many more than 2 inquiries of record in a 24 month period could drop your credit scores significantly. So, do try to make them count.

I recently purchased a truck for my husband and asked the dealership to find us a loan with the best rates. They dished out to 10 places who did hard inquiries. I read somewhere that if there are several hard inquiries done within a month by the same type of loan companies, (car loans, house loans, etc) they credit agencies, Transunion, Equifax, Experian will unite those as 1 hard hit, knowing that it was caused by finding a specific loan with the best rates. I now have 10 hard hits in a 1 month period because of this. How do I get rid of them or get the 3 agencies to combine them as 1 or 2 to help my credit score. I can't wait 2 years to be able to apply for credit again.

I am trying to figure out whether my situation fits a HARD INQUIRY or SOFT INQUIRY. I have recently applied for apartment and they have pulled my credit which is fine with me but I was not expecting it to be a hard inquiry. I would appreciate if someone could give a clear answer on this one. Thanks very much in advance.

g9Z4tt Thanks-a-mundo for the blog article.Really thank you! Fantastic.

Hard inquiry's stay on for two years exactly and then they are dropped. I applied for a credit union and it was dropped exactly two years later. I accepted a brand new car loan and it recently went away exactly making it two years.

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