Some inquiries are made by companies seeking to make offers of credit to you, like credit card companies. These types of inquiries do not affect credit scores. Nor do credit report inquiries made by you. If there are inquiries that you don't recognize, contact the credit bureaus directly (Experian, Equifax, and TransUnion).

The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed. Other bad credit information is removed after seven years. See similar questions...

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. See similar questions...

Anything inaccurate can be removed from a credit file including bankruptcy, judgments, collection accounts, liens, foreclosures, and late payments. Federal law requires that your credit report be ACCURATE, COMPLETE, and VERIFIABLE. Accurate means exact and precise. If it is not accurate, we will challenge everything in question with the ultimate goal of having erroneous negative information removed from your report. See similar questions...

No, we may challenge any items that you feel should be challenged and the credit bureau must verify these items. The only exception to this is that they do not have to verify inquiries, but if you feel that an inquiry should not be on your reports then the company that supposedly asked for your credit report can be contacted and that fact may be disputed with them. See similar questions...

Any type of negative item can be removed from your credit if it is inaccurate, misleading or unverifiable. Bankruptcies, foreclosures, and unpaid debt are the most difficult to combat. See similar questions...

If you're shopping around for an auto loan you should know that when creditors check your credit it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult. See similar questions...

It depends on the type of inquiry. Inquires for marketing purposes do not affect your score. These include consumer requests for a credit report, lenders using credit information to review an account, or a potential employer looking over someone's credit. Inquiries initiated by the consumer, such as mortgage, auto loan and credit card applications, however, do affect your score because studies have shown that too many are a red flag for credit risk. See similar questions...

Confluence reports are processed by regional coordinators - (check the contact page for a list of current regions and their coordinators) - when a confluence report is submitted, the corresponding coordinator is notified by email. At regular intervals, coordinators process the reports, which consists of verification, processing pictures (e.g. resolution or format conversions) and reviewing narratives (typos, hyperlink insertion etc.). See similar questions...

The Fair Credit Reporting Act, 15 U.S.C. Section 1681, is the law that controls credit reporting agencies. If you believe there is an error in your credit report and want to correct it, you should contact the credit reporting agencies. You may obtain further information from the Federal Trade Commission. See "How to Dispute Credit Report Errors" at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.htm. Also, refer to their pages on credit issues at http://www.ftc. See similar questions...

The Data Protection Act 1998 gives you the right to correct information held about you which is inaccurate. The credit reference agency usually sends details on how to correct errors with your credit report file, if not, use the links on our credit score page to access their web sites for advice about how to go about removing or amending information you believe to be incorrect on your credit report file. Any errors or problems found have to be corrected within 28 days. See similar questions...

One of the main complaints from ISPs regarding SpamCop reports is the lack of responsiveness from the people reporting spam. Part of the reason for this lies with the ISPs themselves. By deluging users with useless auto-responses, they reduce the attention of users for their email. However, part of the blame lies with people reporting spam. They fire off complaints without spending the time to deal with the responses. Often, users configure SpamCop without any email address. See similar questions...