JcPenney had listed a charge off on my TU (it was actually listed 2x, but TU deleted one that I disputed as a duplicate). When it could not be verified, JCP started listing it as part of a Ch 7 bankruptcy! Imagine my surprise when I saw that today, as I have NEVER filed any kind of bankruptcy!!. I have disputed it again. BUT....and I know this is a DUMB question because I am asking why a CRA would do this.....what really gets me is that TU did not seem to think there was an error in this. The account is a charge off for $1...yes, $1. Would it make ANY sense under the sun that I would include this in a bk and NOT include cards that I owe thousands on??? AARRGGHHH Ok...and another question....are CA allowed to pull hard inquiries (especially if they are not listing a collection account)? NCO has pulled 4 hards since last July. I disputed these and I got a letter from TU saying that I would have to contact the companies myself to ask for deletion. What is the best way to do this? Thanks!! G
TU just deleted my collection accout. Should I go for the deletion of NCO's inquiries since there was no obvious debt to collect on? No permissible purpose???
