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Removing hard inquiries that are more than 6 years

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Fossil View Drop Down
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    Posted: 28/March/2017 at 12:01pm
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?
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Johnny View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 28/March/2017 at 12:18pm
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. 
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote bananasplit123 Quote  Post ReplyReply Direct Link To This Post Posted: 19/May/2017 at 9:44am
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).  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Royal-NCO Quote  Post ReplyReply Direct Link To This Post Posted: 20/May/2017 at 10:52am
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 ....
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