Well said, KHM. Let's not be so quick to circle the wagons; this could be another eye-opening dialogue. wajaba
I have to chime in on the "record of fact" idea. Although I value my privacy and I have tried my hardest to prevent companies sharing my info, have opted out, etc. what really burns me is that hard inqs. are counted against you--both in the scoring model and when viewed by other creditors. If there is an improper hard inq. placed on your rpt such as the THREE companies who miscoded AR for me, I am penalized and the only fact that I can see is that the companies/CRA's or both made a mistake.
I have to chime in on the "record of fact" idea MandyB ================= None of their other records are factual so why should inquires be any different?
