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     | Tuesday, June 20, 2000 - 09:26 pm  Can you dispute inquiries? American Express has two "official" inquiries on my credit report that I did not authorize. Can I dispute them with the regular dispute forms that come with my credit report?
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| | Wednesday, June 21, 2000 - 12:16 pm Do you have an account with AmEx? WHY did they run your credit?
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| | Wednesday, June 21, 2000 - 04:09 pm I do have an account there but I have had it for over 5 years and nothing has changed.
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| | Wednesday, June 21, 2000 - 04:29 pm Are you sure the inquiries aren't coded as AR (account review) or promo? Have you contacted AmEx about this?
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| | Thursday, June 22, 2000 - 09:44 am I think the general consensus on this board is that every inquiry (except those following fairisaac rules on autos and mortgages--TU says they only follow on mortgages)dings for 12 points. Can anyone ballpark what happens if a deletion of a deragotory item occurs? Assuming that you stay within the CRA profile rather than moving to another and thereby lowering your score!!!??? Thanks.
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| | Thursday, June 22, 2000 - 11:05 am Senator, don't know where that 12 point figure comes from and it's definitely not true. It also isn't true that 3 inquiries have no impact as someone recently posted. I've heard the 10 point figure a lot, but it's all guess work. If someone already has a lot of RECENT inquiries, one more won't make any difference. But for the first few it could be 5 or 15 points each, so 12 is maybe an average. It all depends on the overall credit profile. As far as removing derogs, there's really only one thing that's fairly save to assume: If you're going to be scored by the same model, then having a derogatory item removed will INCREASE your Score. Unfortunately there's just no way to estimate by how much, since having NO changes can result in 24 point variations. Let's say you have only ONE late payment, but it's severe and recent, say a 90 day late 6 months ago, and you have that removed, you can expect a good increase. If you have 5 lates over the last 2 years, and one goes away, I wouldn't expect a dramatic increase, maybe none. And, according to Fair Isaac, TU is supposed to be doing the same as everyone else on the inquiry consolidation for auto and mortgage. So, that's pretty strange, is it on their web site?
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| | Friday, June 23, 2000 - 01:37 am I called them and they stated they do not recognize the fairisaac methodology. I asked them to check with their supervisor--they put me on hold and then said yes, each inquiry for automobile shopping of rates counts as one inquiry. I don't know if it's true, the person sounded like she couldn't care less about what she said---who said accountability didn't exist in Amerika?
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| | Friday, June 23, 2000 - 01:43 am I'll let you know if I am able to remove any derogs and how much my score moves if at all. My profile has to be in the "awful" category so it should be interesting. Am applying for the mortgage if my offer on a property is accepted and we will see if my lawyers efforts to correct the reports have been successful. I need to have one more 600 score to get approved--kinda like playing the slot machines.
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| | Monday, June 26, 2000 - 08:50 pm Senator, got a call back from Fair Isaac today, and they insist that TU treats inquiries the same as the other bureaus and whoever you spoke with at TU "doesn't know what they're talking about." Actually, TU isn't doing a thing, it's the Fair Isaac software that's doing the calculating as described at http://www.bayhouse.com/discus/messages/123/559.html?958556335 Senator, you didn't by any chance get that supervisor's name?
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| | Tuesday, June 27, 2000 - 02:37 am Next time I will get the name of all those I talk with--I usually assume I will get a fake name like a collector will use, eg: Mr. Anderson, Ms Swanberg, so I don't ask for them. I looked at the coding on the cra's just to be doubly sure and I can't find "auto" listed so I assume that it is coded correctly by user as Shylock stated. this is good news that FI provided to you, now I will call them again to ask if it was properly coded as an auto search and will ask for names. will post later.
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| | Tuesday, June 27, 2000 - 09:32 am The problem we're facing here is that we don't know whether whatever TU people tell you is true. I got the very STRONG feeling that they might just say it's coded for auto to make you go away. And we have absolutely NO way of finding out when we're BS'd on the inquiry coding. What reason do we have to believe anything they say?
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| | Sunday, September 03, 2000 - 07:09 pm All inquiries from auto lenders were listed as unspecified. Bingo. Inquiries hit hard. Am writing to the creditors to get them straightened out but am not holding my breath.
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