Quick question. IS it really true that the report pulls for promotional stuff will not hurt score etc? Do damages only apply to the hard pulls by creditors? What if a company is posting to my report, they can't verify because it is not mine, and they continue to pull reports?
I don't quite understand what your mean by posting to your report. Could you give more details. George is absolutely correct that PRMs, AR's and other soft pulls do not effect your score, and can help in some ways. But you CAN have damages if someone is pulling your entire report via a soft pull without a PP. PRM's are the exception, because they do not see your entire report. There is no distinction in the FCRA between hard and soft, just promotional vs. full report pulls.
I am sorry, after reading my post again I can see where it can be confusing. Asset Acceptance has put a negative collection tag to my report for a Providian account. Providian sent me a letter that it was not my account and they are pulling it off. However Asset has not done so yet but they continue to pull hard reports. If they never had a valid reason to post to my report what can I hit them with. What has been bad is I have a common name down here. Believe it or not 3 of us have the same name and our socials start with the same first 5 numbers. It has been a nightmare. Your help is greatly appreciated.
