"NOTICE OF INTENT TO FILE A SMALL CLAIMS SUIT DUE TO FRAUDULENT INQUIRY YOU DID ON MY TRANS UNION CREDIT REPORT"
After SEPT 11th they were talking about a "NATIONAL ID CARD" (like the picture ID at MANY major companies that everybody MUST display at all times)...it MAY have had your credit reports in the magnetic strip, YOU WOULD NEVER KNOW!!! The DOCTOR'S OFFICE could have asked for your "NATIONAL ID CARD"...
Thanks George I will give you 3 I already gave someone 44 With my backward luck I will get into court and owe them money plus pts.
They babies have to have a SS # before leaving the hospital Soon to become a tatoo on their foreheads? Photo ID Card w/ all our private info? Do I still live in the US?
It's for the "SECURITY" of the USA... GERMANY EARLY 1940's "PAPERS PLEASE!"..."You have no papers"?..."Come with me!"
George, I got a auto insurance quote from Progressive Insurance and they pulled a hard inquiry on New Years Day on my Experian credit report. I dispute inquiry with Experian and they removed it from my report . Ron.
Wow...if you're from California, I would recommend switching to Mercury Insurance Company, as their rates are VERY competitive and they don't pull your credit. IF the agent should ask for your social, tell him you don't want to give that out, and if he refuses to quote or even sell you the policy, let me know. I'll write it for you.
If you tell a GEICO agent "no" they will not pull credit. Period. GEICO is the most ethical insurance company I have ever worked for. I have been amazed by what I have seen there. They even pay claims they don't really have to pay. Credit is "neutralized" as a rating factor when you say "no." Saying "no" does not get you a higher rate. However, if you have a good score (700+), letting them check your credit can lower your insurance premiums, even if you have a bad driving record. They use "Choicepoint" - that's Equifax - in every state.
Thank you Breeze! I was always happy with Geico before, and received good customer service! Thanks again for the info.
We had Allstate car ins. for years - about 13. They pulled a hard inquiry each year for renewal. However I found out we were getting awful rates - went with American Express insurance (yup.. they do insurance!) and their rates were less than half of Allstates, with more benefits (rental, motor club, etc.). They did pull a hard inquiry on both me and my dh - on TU. Ozzy.
Geico auto pulled TU for me 6 months ago(hard inquiry). Just rec'd a quote for Homeowners insurance from Geico and they are asking to pull a hard inquiry for that too!. Nearly 90% of all large insurance carriers pull credit reports. Get used to it! I work for the largest P&C carrier in the US in the corporate office. This method (credit scoring) will be part of your risk rating to decide premium rates for a long time to come.
tommyy, so, you work for SF? GEICO issues homeowner's through an arrangement with Traveler's - it is on GEICO paper, I believe. Credit is not optional with homeowners quotes. In some states (New York, for one), the disclosure/permission the GEICO agent reads, does not sound like they are asking - it reads something like "We may obtain a consumer report in connection with this request for insurance..." - believe me, the software has a button for "OK" and a button for "refused" and if the consumer says "no," the agent clicks the "refused" button. No credit is pulled, and the consumer can still get a quote, they can get a policy, and they can still get preferred rates. I have looked on the GEICO website, and if you proceed with a quote on there, you have consented to the credit check. There is no option for saying "no" that I can see. However, if you call the 800 number, you have a choice. Nationwide has recently (October) implemented software that prevents an agent from giving any kind of quote without pulling credit. This is a change from their previous procedures.
True...because we have Nationwide for our auto insurance and they pull a hard every 6 months when we re-new premium. We haven't ever signed and agreed to let them do this either. They just do it!!
