I was reviewing my credit report today and noticed an inq from First USA Bank. I have a card with them, but I didn't apply for anything new or ask for a credit line increase. I am new to this "credit repair" issue. Is this considered "permissible purpose"? I think it was a "hard" inq. What's kind of strange is the inq date is the same date as a "planetfeedback" letter I sent to them complaining about a interest rate hike. Any feedback would be appreciated. Thanks.
They have PP...BUT they don't have to do a HARD, EVER, AFTER THE ACCOUNT IS OPEN...that is what "AR'S" are for every month!!!
Re: Re: Permissible Purpose??? BeeGee, Welcome to the board. They do have PP but it should NOT be a hard. Next, you need to determine if it is. Let us know.
Re: Re: Permissible Purpose??? Hi and thanks for the welcome. How do I determine if it is a "hard" inq? It's showing on my credit report.
Re: Re: Re: Permissible Purpose??? PRM-FIRST USA (SOFT) AR-FIRST USA (SOFT) AM-FIRST USA (SOFT) FIRST USA (HARD)
Re: Re: Re: Re: Permissible Purpose??? Dispute it with the CRA..."I have an account, but did not apply for a second one...please remove the inquiry dated XX/XX/XX"
Re: Re: Re: Re: Permissible Purpose??? Thanks. What is the best way; online, PlanetFeedback or letter?
Re: Re: Re: Re: Re: Permissible Purpose??? By mail or phone...ON-LINE won't let you dispute inquires.
