If you've read my previous thread on AMEX you know I recently applied for a card there and was turned down due to a "collection." I have no such collection and they claim that this information was obtained from EQ. I pull my report from EQ daily and no such thing has ever showed up. After calling the hospital, radiology, and this hospitals collection agency all told me no such record of me exsits with them. I called AMEX back the day after denial and they told me to simply fax them a copy of my credit report. I did that-denial again, with reason being the same. However after I even faxed them my report they pulled ANOTHER REPORT, but not just thru Equifax, but thru Tranunion as well! I never gave them permission to pull a 2nd report and was told as long as I faxed them my report they would not pull it again. Im going to call today to speak with a supervisor , none were available over the weekend. I thought applying for a card only gave them authorization to pull ONE copy of my report ? They pulled EQ twice! However the rep said they could legally pull it as many times as they wanted, I dont seem to believe that. He also tried to convice me that multiple inquires from the same company in a small time frame will not affect my credit. They said to request a hard copy of my report to be mailed to me from EQ and than to mail a copy of it to them. I have requested the copy and it better not show a collection. Please post any advice or comments here! I never gave them permission to pull a 2nd report and I certainly dont have a collection! Luckily enough the extra inquires didnt affect my score.
I applied with Amex on Aug 26th. On the 27th they pulled my equifax report. I was approved on the 30th. They pulled it again on the 30th. I callled to ask why. The answer I got was that I must have submitted my app twice. Wrong. I said ok, then am I going to get 2 new card accounts? NO, we only 1 every 90 days. Then would you please remove the 2nd? Sorry, we can't do that. Once it's pulled, there is nothing we can do. Pure B.S.
ONE account----->ONE inquiry...(exception...CAPITAL ONE will pull EXPERIAN, EQUIFAX, and TRANS UNION for the same application)... 2 (with-in 30 days) on the same credit report are DUPLICATE...DISPUTE IT WITH THE CRA...
Along these same lines, How many times is a person (legal term) allowed to pull a consumer report (credit file) on an individual in reference to the same transaction? ie. Can AMEX pull two reports for ONE application? Not withstanding the fact that they can pull from more than one CRA. In relation: If I send my 'give me $$$ for the inquiry' letter and the company finds that I did in fact apply (maybe they use more than one name) BUT during their investigation of that they pull another report, are they then liable for the $$$ that I could not get for the first pull? that sounds confusing..... PAE
hmmm if I end up getting a final denial I'll dispute. But im still waiting on my EQ Report to arrive by mail. Hopefully it WILL NOT show any such collection. Amex says it does, my report online does not show such a thing. Strange..
