Inquiry credit bureau disputes are frivolous

[Tripleator]

The credit bureaus don't like doing their job and investigating items on your credit report if you don't have to. It has been my experience that disputing inquiries to the credit bureaus will accomplish nothing and the credit bureaus will mark that dispute as frivolous or ignore it. They might be nice and send you a letter stating they don't investigate inquires, why, I don't know. Might want to note that inquiry disputes don't work with credit bureaus.

Some creditors will ding your credit report multiple times when you only authorized them to do it once. That is why you can't dispute to them. It is always good practice when feeling out paperwork to make sure your credit report won't be getting pulled unless it is absolutely necessary.

[archer]

That's our experience as well. Credit bureaus don't get involved in disputing inquiries. So just work with the creditor that put the inquiry on there in the first place. Stating that there is no written authorization, and demanding proof that there is, seems to work for getting inquiries removed. Use a version of this inquiry dispute letter we have on the site. http://archercredit.net/credit-inquiries/

[moorecredit]

I haven't had any success with any inquiries, with the credit bureaus OR the creditors. But I agree, credit bureaus appear like a dead end, especially after seeing the response letters I got from them (kind of rude). Anyway, that's good advice on the 'demanding for proof of authorization'. I'll try that on my wife's report. She has a ton of inquiries.

Robert M

[archer]

Robert,

Have you had any luck with getting the creditors to respond to your "proof of authorization" letters?

AC