Before delving into the process of requesting the removal of a credit inquiry, it is essential to grasp the fundamental aspects of credit inquiries. A credit inquiry, also known as a credit check or credit pull, occurs when a third party, such as a lender, creditor, or potential employer, ...
Unauthorized inquiries can hurt your credit score - and they're surprisingly common. Here are the errors to look out for and how to remove them.
Outdated negative information: A credit bureau should remove most late payments, foreclosures, and debt collections after seven years and bankruptcies between seven and ten years, depending on the type of bankruptcy. Fraudulent credit inquiries: If you spot credit inquiries you don't recognize, like...
credit scoring software is the date of last activity, recent payment on a collection account damages the credit score more severely. This method of credit scoring may seem unfair, but it is something that must be worked around when trying to maximize your score. How is it possible to pay a...
Name of individuals who've ran soft inquiries over the preceding 365 days Without 609, you wouldn’t be able to access this type of information. Are 609 credit dispute letters effective? Despite the misleading name, 609 is not exactly a dispute; rather, it’s a letter/document requesting th...
Not all former employers will answer all the questions on your form, but it cannot hurt to have them there. However, be careful not to stray into impermissible inquiries, like questions about the employee’s health status. It is best practice to prepare a standard form you will use for...
An adverse action letter is a notification that something on your credit report has caused you to be denied credit, a job, or insurance. Here's what to do if you get such a letter.
In his letter to shareholders released Monday, JPMorgan Chase CEO Jamie Dimon chose AI as the first topic among issues facing the biggest U.S. bank by assets.
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Keep a Record of Correspondence:Maintain a record of any communication or correspondence with the IRS regarding the CP 575 notice. This can be useful for reference in case of any future inquiries or disputes. It is important to complete these actions promptly and accurately to ensure smooth tax...