Is there anyway to get your CR to be manually given to a prospective creditor. In other words, Company A wants to view your CR, instead of automatically acessing it off of a data base, they have to speak with someone at the CRA to access it first or have it mailed from an employee. Perhaps if you have a Fraud Alert? I know it is a strange ?, but I am curious. 3 day.
You CAN send your own copy of a credit report to a prospective creditor...they MAY or MAY NOT accept that...and even if they do look at it...they probably will pull another HARD to offer you credit...SO IT IS A WASTE OF MONEY AND TIME.
I second that George.....I have tried that before and you can use your own version as a sort of way to say... Hey, if my credit looks like this when you pull my report, will I be approved. However, they will still pull it anyway. But, if they tell you no, your credit sucks, you can say then don't pull my report.
Re: Re: Do CRA's ever Manually send CR to.. "PULL only if you must and you think it is a high probability of APPROVAL...otherwise...DON'T BOTHER"
Actually, the reason I was wondering is because of this>> 1681r of FCRA Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency's files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both. Which I may not be understanding completely, but if an employee of a CRA gives out a CR to anyone without a PP, they are personally liable? So if they have to manually give out your CR to someone who you have disputed with the CRA and CA, then would the employee be liable for wilfully providing this information. They should know both the FDCPA and FCRA, correct?-So they should know better-or is my line of thinking way off?
