Separate names with a comma.
Discussion in 'Credit Talk' started by IncomeHelp, Aug 2, 2001.
I tried a search online but have not found anything.
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Call EQUIFAX and ask for more information and a phone #...they have to give it to you...or they MAY just delete it on the spot if you tell them "I never applied for credit with that company"...
FDR = First Data Resources, part of First Data Corporation. They do processing for MANY credit card companies (statements, new cards, applications, etc.). They also have a collections arm that does skip tracing, collections,etc.
They also own Western Union and TeleCheck.
The ID entry indicates just a social security #, name, or address match. It doesn't count as a 'hard' inquiry.
Maybe you wrote a big check lately or ???
I wouldn't worry. ID's are only reported to YOU and don't affect your score.
I would try to get rid of it anyway...
"I never applied for credit with that company"...
this is inquiry from obtaining a cobaltcard from american express...
What happened to NO inquiry???
Offhand as I recall, AMEX said, "no credit check", but as we've seen with Nana and some others here, they do need to verify identification, name and address match. This would be a valid way of doing that withou violating their promise.
I don't remember if such an entry was on my own CR's after getting my CobaltCard, but that doesn't mean much.
WERE TALKING ABOUT A "GLORIFIED" GIFT CARD HERE...Would you give your SS# or let JC PENNEYS, SEARS, or TARGET run a gredit report to get a GIFT CARD?????
READ MY LIPS. CHECKING I.D. IS NOT THE SAME AS CHECKING CREDIT. COBALT TELLS YOU UP FRONT THEY ARE GOING TO CHECK YOUR I.D.
EQUIFAX HAS A SPECIAL I.D. SERVICE. IT DOES NOT CHECK YOUR FULL REPORT, JUST YOUR NAME AND ADDRESS. TO DO IT, THEY HAVE TO HAVE YOUR SSN.
My Equifax has the following after receiving Cobalt - DTC-Cobalt Cards
What does DTC stand for?
I did a search, Nana, nobody seems to know the exact meaning, but it appears to be a soft inquiry. AmEx looking at potential cardholders?????
They can peek anytime they want to now, hehe.
I followed George's advice and called to try to get it removed. They gave me a company to call. I'll have to post that information tomorrow. It is a hard inquiry though. Not a soft one like an id check.
Shoot...wish they had "peeked" after BK removal!
Who told you it is a hard INQ? I was told it was not considered an INQ.
I have recently had an ID inquiry and it was coded correctly on Equifax as and ID inquiry.
Mine was for a company which does ACH transfers between your bank accounts for you (I do it thru Yahoo). They revealed upfront that a credit report would be accessed and I had expected a hard inquiry because I did agree to it. I was pleasantly surprised to see that is was only an ID inquiry.
Also, to verify my ID they asked me what the amount of my mortgage payment was so when they access under an ID verification they must also have access to other elements of your file.
BTW, I love this transfer ability. I have direct deposits into my credit union checking account which is what all of my fixed payments come out of. I have another account now with a local bank for discretionary spending money accessed by ATM. I used to pay ATM fees for ever ATM transaction because my credit union does not have any affiliated networks in my area. Now I just transfer a sum thru Yahoo and get free transactions for my cash withdrawals. The local checking account is also free as long as I keep $100 minimum balance.
DLO? Did you get a hard inquiry from Cobalt??