All Forum Posts by: Peter Tirado

They were willing to do that because you didn't actually accomplish anything.

The inquiries were *already* being counted as one for FICO scoring purposes. 

http://www.myfico.com/crediteducation/creditchecks...

> Research has indicated that FICO Scores are more predictive when they treat loans that commonly involve rate-shopping, such as mortgage, auto and student loans, in a different way. For these types of loans, FICO Scores ignore inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won't affect your scores while you're rate shopping. In addition, FICO Scores look on your credit report for rate-shopping inquiries older than 30 days. If your FICO Scores find some, your scores will consider inquiries that fall in a typical shopping period as just one inquiry.

There is generally no point in disputing inquiries, employment info, or addresses. Creditors do not expect any of those to be accurate. My personal credit report says I live in Poland. Your credit report can say that you're a crack dealer that lives in Antarctica with 20 credit inquiries, and I can still loan you a million dollars at a very appealing rate. If there's something worth your time, your lender who looks at credit reports all day will let you know.