If a cosigners name shows up on an account, can a CA pull their report to do a fishing expedition on me even if the account in question is NOT the joint account?
A CO-SIGNER agrees to pay if the other signer does not... [EDIT] I'm a little confused... I am guessing you are a CO-SIGNER on another account TOTALLY UNRELATED TO THE CA...
GUESSING... You are a CO-SIGNER on say a car loan (PAID AS AGREED) and the other party you CO-SIGNED with has a CA for like SEARS...and you are NOT connected in any way to the SEARS account... NO "PP" FOR SEARS CA TO FISH ON YOUR CREDIT REPORT!!! "I will take $500 in 10 days and inquiry removal or I will see you in court in 30-90 days for $1,000 and inquiry removal.
Ok My girlfriend cosigned my car loan. It was paid off for some time BUT I have one account which is 6 months del. Can the CA pull her report cause they see her name on my report for a totally unrelated account?
Re: Re: Permissive purpose credit report Well, I'm 100% sure they did just that. What should I do about it if they are not allowed to do that?
Re: Re: Permissive purpose credit report Your girlfriend should drag their butts into small claims court for illegally obtaining her credit report. As George just mentioned--the minimum statutory penalty is $1,000.
Re: Re: Permissive purpose credit report Give them a $500 discount if they remove the inquiry and they send a check for $500 in 10 days...(WIN~WIN they save court time...you save court time...they save $500...you get $500 and inquiry removal)
Re: Re: Re: Permissive purpose credit report Hijacking post. Sorry. George: Will most companies send the money and deletion or do you have to end up in court. I have 3 inquires that I know I did not do: 1.) Universal Card/CBSDN on 10/4/01 (just called, CS said there is nothing they could do. I have to send a letter to the dispute department.) 2.) Cross Country on 10/23/01 (collection agency has been calling about this on. it is not mine. they have a different SS number. Don't know how they pulled it in the first place. I just call Equ and was told it is gone. just pulled Privacyguard and it is still there. I send a letter a month ago to there fraud dpt requesting deletion but no money.) 3.) Regions Bank on 10/16/01 (once again no one can help me. i leave my number but no one calls back)
Re: Re: Re: Re: Permissive purpose credit report Some here have had SUCESS with a "WIN~WIN" LETTER...
Re: Re: Re: Re: Re: Permissive purpose credit report Thanks, I'll try it and see what I can get. I don't really want to go to court. Guess I need to just do it and get over my fears.
There is no way for someone pulling your credit report to see who a co-signer is. It could be your mother, father, wife, no one would ever know. So what you're thinking is wrong and they pulled her CBR for a completely different reason. There are 9 legal reasons for someone to pull your credit report and collection effort is one of them. Have you tried calling them to find out why they pulled hers?
Re: Re: Permissive purpose credit report That's not true. DH's Experian reports several joint accounts, and spell out my name as "Joint with jlynn".
There are a lot of good articles about credit report on URL REMOVED BY MOD, there is all kinds of information about credit reporting and scores online, its very helpfull.
