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Discussion in 'Credit Talk' started by Nell, Dec 7, 2000.
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Don't they have to pull your credit report b4 they see the fraud alert?
How does that work?
I would contact each company that pulled your report and demand that they remove the inquiry because you did not give them permission to review your file.
After re-reading that. It sounds like I was saying your question was stupid. I meant I have a stupid question about how fraud alerts and such work?
I see where my questions might have been confusing. I should rephrase what I mean. I was led to belive that once a company contacts the credit reporting agency they are supposed to see the alert and contact me before they can access my file and process an application. I am trying to verify that this is the case. For example, if a credit application is mailed in or placed over the web and they don't contact me to find out if I am actually the person that made the application, then can I challenge the inquiry. The fraud notice on my CR says that "others may have identifying information about me."