Thursday, August 6, 2009

How do I remove this from my credit report?

All of this is from applying for a vehicle %26amp; 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



How do I remove this from my credit report?

Wow, you are tanking your score with that many inquiries man!!! They don%26#039;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%26#039;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%26#039;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!



How do I remove this from my credit report?

Call the toll free number to %26quot;opt out%26quot; of pre-approvals.



1-888-5-OPT-OUT



http://www.ftc.gov/bcp/conline/pubs/cred...



How do I remove this from my credit report?

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%26#039;t get these removed because they are legitimate.

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