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Tombow024

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I have not applied for credit, why all inquiries, and where did they come from?
Why are they on my credit report, I have not requested any credit from any one this year? You say I have a total of 15 and 7 are this year.

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If you find incorrect information on your credit reports you need to dispute that information with the credit bureaus that are reporting it. Transunion, Equifax and Experian all have websites with instructions on how to dispute incorrect info.

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Are those inquiries actually on your credit reports or it just "says" you have them? If you are relative certain you didn't initiate any those inquiries, and not from the inquiries when you trying to get a auto loan but you just weren't aware dealer shotgun your app out to 8 lenders?  Then you might have Identity theft on your hands. Do you have any new accounts on your report that you didn't open, any charges on your credit cards you didn't incur, any movements with your bank accounts/ATM card you didn't recognize?

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You might want to consider put a credit freeze on your credit reports, at very least do some research on it,  just to be on the safe side, so no new credit/credit inquiry can be initiated by anyone, yourself included. Request it from all three credit bureaus, it's free to freeze it, but in most States it dose cost you around 10 dollars to unfreeze it, if you file a police report and or file a complaint on FTC's site to get a affidavit? It would be free to unfreeze them.

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