Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Auto Loans
Profile Image

Question By
mlehman629

0 Contributions
0 People Helped
How to dispute hard inquirey?
I did not allow the bank to run my credit for a car loan. They say they can not remove it when it was their fault in the first place. How do I fix this?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-5 of 5Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1231 Contributions
1729 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

If you didn't allow them to pull your credit then how did they got your personal informations? Or you did apply for a car loan but you weren't aware the dealership would shotgun your credit app to few different banks?

Top Contributor
1035 Contributions
183 People Helped

You can file a request with the bank if you did not authorize it and request they remove it.  If they decline, you can file a similiar request of the credit bureau itself, although, they will contact the firm for their side of the story before they make a decision.   If you went into dealer and gave them your information, you gave permission, even if they didn't tell you they were going to perform a hard pull.  The pull itself was probably only 4-5 points and it shouldn't affect your credit in the long run as there are other items you can do to offset that deduction.  (IE: Lower your Utilization)

1 Contribution
0 People Helped

Hidden & unauthorized hard Inquires

I have the exact same problem and I need the best help in getting this resolved

1 Contribution
0 People Helped

Duplicate hard Inquiries?

I have been shopping for a mortgage loan. My understanding is that multiple entries within a short timespan for the small this will count as one inquiry. However on numerous occassions Equifax has reported each pull as a separate inquiry including 2 that were on the same day! the dispute options online are fradulent and unauthorized- neither of which applies to my situation. How do I remove these duplicates?

1 Contribution
0 People Helped

dispute

I want to fdispute 5 hard enquiries on my credit profile

Results 1-5 of 5Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.