03/22/2023
Inquiry Removal: How To
Method 1:
3 bureau 24 hour express inquiry deletion
Call each bureau
Experian: 1-855-414-6048 - enter your social then press 2, then 1, then 2, then 3 - ask to speak to fraud department
Equifax: 1-888-548-7878
Transunion: 1-800-916-8800 press 0 to speak to a rep and then ask to be transferred to the fraud department
(These numbers change periodically)
1. Say that you noticed unauthorized inquiries on your report or that you noticed that someone applied for something in your name.
2. Make them aware that according to the FCRA (Fair Credit Reporting Act), legally these unverified and unauthorized items MUST be removed
3. List all the accounts that are not attached to your open or closed accounts
4. If they as you about submitting a FTC/Police report of these accounts, say you have already done this
5. If they asks if you have contacted the original creditors, say that you have done this already
6. They may place you on hold - DO NOT PANIC - when they come back they should say they will investigate and it could take up to 30 days to complete the investigation. However, the following business day all of the inquiries you asked to be deleted - should be deleted. Equifax may take longer, but max 48 hours
7. Just like everything, this may take a few calls if the first is not successful.
Removing inquiries for OPEN accounts is possible with this method because they can be removed before the actual account is reported to Experian, which generally takes 15-45 days and your dispute only 24-72 hours - so the agent will not see an account tied to the inquiry upon review if dispute is done within days of the inquiry. (Generally more risk than it’s worth though)
Method 2:
72 hour inquiry removal method
This method can be used to remove unauthorized inquiries that are fraudulent on Experian - however it may work for the other bureaus as well
Experian dispute: 855-414-6048
1. Identify inquiries that did not result in open credit accounts because removing inquiries on open credit accounts may result in account closure
2. Call Experian dispute center number and connect to a rep in the fraud department. Let them know that you suspect your information is being used to obtain credit and you need help adding a security freeze and fraud alert to your report (save the PIN you are provided with after the alert is set) Make sure you remove these before applying for anything else
3. The agent will now ask you to review your report and identify the unauthorized inquiries. You will now list every inquiry you want to remove. If you tell the agent you applied for credit and the creditor pulled your report - this will not work. Once inquiries are identified, they will be removed in 24-72 hours.
4. Just like everything, this may take a few calls if the first is not successful.
Removing inquiries for OPEN accounts is possible with this method because they can be removed before the actual account is reported to Experian, which generally takes 15-45 days and your dispute only 24-72 hours - so the agent will not see an account tied to the inquiry upon review if dispute is done within days of the inquiry. (Generally more risk than it’s worth)
Method 3: Hire a professional credit repair agency to remove them (like us)
**Inquiries associated with accounts not reporting to personal report can be removed
