Things like DTC, REA, EU, CD, etc. that appear next to some inquiries on the EFX report. Does anyone have a list of what these mean? EFX sure doesn't.
Yes, it is like pulling teeth to get them to tell you. ID - identification confirmation, used for banking, online bill pay, etc - supposed to be soft CD - consumer disclosure - you checking your own report - supposed to be soft Don't know the others.
REA is an inquiry used by a creditor to see how an account is being reported, not to locate a debtor. Just because it is a soft inquiry does not mean it doesn't violate permissable purpose. Gib
DTC = Direct to Consumer I did a search, and someone said EU is a real estate inquiry. I have one, and it was at the time we were applying for a lease on a home.
Jlynn, thanks. "Direct to Consumer" - what in the world does that mean? Do you happen to know if that's a soft or a hard inq? I'll be more specific - here's what's on my EFX: 02/13/2003 DTC-Whatever Bank 02/13/2003 Whatever Bank or 07/12/2002 Wherever Bank 06/19/2002 DTC-Wherever Bank
EU is mortgage. It is a soft inq. Any inq listed as just the name of the creditor with nothing in front of it is a hard inq. Any inq that has something before it is a soft. In your example above, DTC is soft. Whatever Bank is a hard.
Re: Re: Abbreviations - Equifax inquiries? That's comforting. Thanks. Final question - why would a lender pull a hard and a soft (DTC) inquiry on the same day?
I THINK (not completely positive) that DTC is when you call them and they pull you're report while you are on the phone, that is what I always get when I call anyway.
Can someone tell me what these abbriviations or companies are: FK-alsco-city A FK-alsco-city B FK-alsco-city A RMA Rich RMA Rich I also have Wells Fargo pulling 12 times between 9-10-01 and 3-20-02 can they do that with a charged off acct? also have an REA-risk management alternatives five of those between 11-20-01 and 12-02 and finally one iqu just says: Cbcs Who are they? thank you
Re: Re: Abbreviations - Equifax inquiries? FK is a skip trace inquiry I believe. RMA Rich would probably be Risk Management's Richmond, VA office. Gib
Re: Re: Abbreviations - Equifax inquiries? Ah, thanks for the info. It seems they had an anquirey 'field day... year as the case was" when they were tracking down my ultimately repo'd car. a pity I cant have any of that removed.
Re: Re: Abbreviations - Equifax inquiries? FK IS A COLLECTION PER EQUIFAX... MY wife had a FK-CHASE MANHATTEN (we got rid of it finally)<-----any yes MANHATTEN was spelled WRONG!!! We have had many CHASE accounts on and off for years... If we ever had a COLLECTION we couldn't ever get a CHASE card!!! CHASE said they didn't put it there...EQUIFAX said they didn't put it there... I E-MAILED a copy of what CHASE said and EQUIFAX removed the inquiry with-in 48-72 hours. THE DOWN SIDE...THEY REMOVED ALL OF HER OLD INQUIRES (ALL SOFT) UP TO 07/02/02...BUMPAGE WAS THEN AFFECTED
Re: Re: Abbreviations - Equifax inquiries? Yes--if its an unpaid chargeoff, you still owe them money.
Re: Re: Abbreviations - Equifax inquiries? Ah, so until its deleted, paid or BKd they can run the inqs to their hearts delight? and I presume these are the worst kinds of inqs?
Re: Re: Abbreviations - Equifax inquiries? They can probably run it after it's deleted, too, and that's how re-insertions happen. Or so I fear.
Re: Re: Re: Abbreviations - Equifax inquiries? It depends on how they are coded. AR's (Account Reviews) are soft.
