Re: Re: Re: Inquiry Dispute? I'm with you jlynn, anything Exp says, especially when they "interpret" the FCRA, is highly suspect. BTW, I have three hards from the same CA, three months in a row, back from 2001. So this contradicts Exp's own claims in their silly little creditexpert explanation. IMHO, I don't think CA's should be able to pull hards. I think CA's do it out of spite. CRA's should not let them this do this, but they probably collect more $$ for hard inquiries?
The only difference between a hard and a soft (with the exception of PRMs), is one is seen by others, the other isn't.
Re: Re: Re: Inquiry Dispute? I think we are all going to be in a **lot of trouble** if we rely on the EVIL EXP to create standards and intrepret parts of the FCRA where it is somewhat vague.
I believe the language ties AN action [ credit application, transfer of account to CA, etc. ] to AN inquiry.
Well darn, I have shot down my own theory again. I went to the definitions section of the FCRA: (m) Credit or insurance transaction that is not initiated by the consumer. The term"credit or insurance transaction that is not initiated by the consumer" does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of (1) reviewing the account or insurance policy; or (2) collecting the account. I guess they can pull hards whenever they want. That stinks.
