I just got an email that my credit report was pulled. I went online and checked it out. It was a bank that I have a savings account at, but my dad (and his business) have multiple checking/savings/mortgages/LOCs etc… I’m guessing that they meant to pull his (we are in the process of refinancing the business mortgage) and they got mine by accident. It’s happened once before, by a vendor. I have no idea how that one happened, at least this bank has my SSN on file somewhere. Anyways, I plan to call them up to see why they did that and ask them to remove it. But then I started thinking that you really shouldn’t be able to remove an inquiry since you already have the info in hand and you wouldn’t be giving it back, right?
Yes. The bank that pulled it AND you must agree it was done in error.
The inquiry notice is for you. Job done. Credit reporting agencies (CRAs) are not required to delete them. If they all don’t (different policies) any hit to the score is temporary (if a hit happened at all, and it’s likely to be insignificant).
An inquiry indicates you might have taken on some new debt. That is why it affects your score. If you did take on new debt, it would show up eventually as a tradeline, thus the reason the hit is temporary. If you are actively seeking the best rate on something right now, go ahead and act on it (inquiry deletion).
IF NOT: Don’t bother.
(How: Letter from you, letter from bank. Contact CRAs and include all info possible. Bank’s letter needs to say whose file was pulled, whose was pulled in error and be clear/concise, with partial SSN and other ID. )
If it were me, I wouldn’t bother unless I had a loan hanging on this. _ Local CRA guy.
At this point, I’m not planning to do anything about it. Like I said, the business (sole proprietorship) is in the middle of a refi and they probably meant to pull my dad’s. I (I assume) have better credit then him, so it’s probably worth just leaving it alone.