Hi guys, I was wondering if anyone might know what an "FK" next to an inquiry on Equifax might mean. I've been doing a litlte research and the company that pulled my report is a collection agency called Frost-Arnett company. In my research, I think I have them on no permissable purpose as I did not apply for anything with this company and I have never received any correspondence from them ever. I just want to get my facts straight before I fax them a demand letter on Monday for this violation and the $1,000. Any thoughts?
I don't know what the FK stands for, but if it is a CA, they may be trying to collect on a bad debt. A CA DOES have a permissible purpose under the FCRA.
I have one of those, too, so if you find out please let us know. Mine was when my "imposter" (woman with the same name as me) applied for credit at Dillards. Dillards agreed to remove the inquiry from my profile (because it wasn't me!) and then the FK showed up. From what I've seen EQ never completely removes an inquiry - they just recode them. I had two others removed and they recoded it to INQ which is not supposed to count as a hard inquiry and I had expected that would happen with the Dillards but instead it showed FK.
