Credit Bureau and Reporting Issues - Removing hard inquiries that are more than 6 years

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Removing hard inquiries that are more than 6 years

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Topic: Removing hard inquiries that are more than 6 years

Posted By: Fossil
Subject: Removing hard inquiries that are more than 6 years
Date Posted: 28/March/2017 at 8:01am

Hi, I have a number of hard inquiries on my account that are from more than 6 years ago. Do they lawfully have to remove them because of the time elapsed? Also can I dispute all of them in one letter, or do I need to send a separate letter to dispute each hard inquiry?

Replies:

Posted By: SolveStudentDebt
Date Posted: 28/March/2017 at 8:18am

With Equifax, they are supposed to drop off 3 years after the fact. With Trans Union, they are a mysterious bunch. They don't play the same ball game. TU has questionable practices, for sure.

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Posted By: bananasplit123
Date Posted: 19/May/2017 at 5:44am

This is very interesting.

I suppose if you are persistent enough, you should be able to have things removed.

I want to order my reports this week and find out what is on there. I was recently approved for a Visa (which shocked the crap out of me as my student loan debt has been an issue in securing any sort of credit).

Posted By: Royal-NCO
Date Posted: 20/May/2017 at 6:52am

It depends on how many enquiries are showing on your report. Equifax hangs onto the last 5 enquiries indefinitely.

As Johnny said, Transunion is a unique monster. I have enquiries reporting back only as far as 2011, but I have completed about 20 enquires since then, so ....