CA's, Hawk Alert, and HARD INQUIRES

Discussion in 'Credit Talk' started by MartysGirl, May 10, 2001.

  1. MartysGirl

    MartysGirl Well-Known Member

    I have a Fraud Alert with all three CRA's. I just noticed that Equifax allowed someone, Collection Agency, to pull my credit report a few weeks ago. I placed the alert over 60-days ago. Is there a clause saying that a collection agency can pull your report even if you have a fraud alert?? I thought that if someone pulled my report I would have to be notified..!!!!! OR does this only apply to credit?? I am very very confused..??

    Ohh yes... this is on my credit report as a HARD... inquiry.....!!!!!!!!!!!!!!!!
  2. breeze

    breeze Well-Known Member

    I believe the fraud alert expires if you are not disputing items on your report as fraudulent.

  3. MartysGirl

    MartysGirl Well-Known Member

    Thanks Breeze but....I have been disputing fraudlent activity!

    I am still waiting on my correction report from my first dispute. They are very aware of this I just faxed a copy of the updated police report two weeks ago.
  4. VJ

    VJ Well-Known Member

    I believe if you have a fraud alert they must contact you and get/confirm your approval before granting any access to credit file .They broke their own rules.

    Call them and ask for their legal dept.


Share This Page