I obtained via online a copy of my TU credit report and noted there are 3 sections for inquiries. I will also show what is on my report for clarity: Regular Inquiry Section-- Monterey Coll Svcs Individual 4/15/02 Monterey Coll Svcs Individual 4/12/02 Monterey Coll Svcs Individual 4/01/02 Promotional Inquiry Section-- No Promo Inquiries on File Account Review Inquiry Section-- Trans Union Score 9/02 Trans Union Score 2/02 Sears 1/02 As you may have guessed, I am very interested to know if three inquiries by the same CA are reasonable in a short amount of time? They have also placed a collection record on my TU report which I have not received prior notice, i.e. they have not notified me via mail of any intent of collection or other notification giving me the chance to dispute the validity of the debt. The other side of this is they do not have my address. The collection record posted 3/2002 and the inquiries on the above dates. I have not and will not advise the collector of the validity of the debt because I do not want them to obtain my address info. Does the CA legally have access to my address from my Credit report? How can I have at least 2 of these inquiries removed justifiably without revealing my address to the CA, assuming the record is mine? My TU score dropped from 583 to 571 when this occurred. Deadbeavis TU 571 EQ 625 EX 602
3 IN ONE MONTH ARE CONSIDERED DUPLICATE/TRIPLICATE... ...and what credit card or loan did the CA give you that they need to check your credit???
Neither, actually it's a techincal school. Does this mean there could be an issue with pp? I wondered why they would have a need to check my credit, rather than to merely post the collection record.
Ask what credit card or loan you get with the 3 inquires... ...or ask what is the "PP"... ...and then tell them you will offer them a 50% discount of $500 instead of the $1,000 you will get from SMALL CLAIMS COURT...(if they pay you the $500 before 03/31/2003)
Yes, I can try this tactic, but again I do not want to reveal my address to them since they probably do not have my current residence on their record. My TU record does show my current address, so my guess is creditors do not have access to demographic info? It seems like I would have a difficult time threatening small claims without revealing my current address. deadbeavis
Ok then maybe I am just dumb and blind, but can someone please advise if TU has three sections-- Regular Inquiry Section Promotional Inquiry Section Account Inquiry Section (supposedly these can only be viewed by me) --then which of these is considered a 'hard' inquiry and which is a 'soft' inquiry by definition, or more plainly, which will affect scoring?
On the report I get directly from TU: The following companies have received your credit report blah blah HARDS The companies listed below received your name, address, and other limited info PROMO = soft The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction SOFT Only Hards affect your score.
Ok, if there are 3 consecutive entries from the same CA, and, in addition, a collection record from them, does the collection record constitute pp to access my CR? The dates are as follows: Collection activity first posted 3/02 Hard Inquiry posted 4/1/02 Hard Inquiry posted 4/12/02 Hard Inquiry posted 4/15/02 Sorry for being so illiterate, but I just want to make sure I formulate a cert letter to them properly without shooting myself in the foot (or in the pocket). deadbeavis
yes (3) To a person which it has reason to believe (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of{/B], the consumer; or
Re: Re: Removing Hard 'Regular' Inquiries Three times in two weeks is excessive in my book, when it could easily have been coded AR (soft), but I don't know what kind of recourse you have. Sorry.
Re: Re: Removing Hard 'Regular' Inquiries Yea, that's kinda what I figured. I may consider a pp type of letter to the CA and see where that goes in order to get this removed. I'm considering emailing the FTC to see if I can get further clarification on the FCRA and find out if there is a violation in this case. I have contacted them in the past about subjects unrelated to the above and they have been suprisingly responsive. Don't know if anyone else has attempted to contact with this type of question. Thanks for the info.
Re: Re: Removing Hard 'Regular' Inquiries Whenever this has heppened to me I've called the CRA and they deleted the duplicates right away. Don't really need to get the CA involved unless they keep doing it.
Re: Re: Removing Hard 'Regular' Inquiries Get a post office box. that way you can serve them but they can't serve you If they want to sue you, they'll just serve your last known address and hope you don't show so they can get a default judgement. You could always sent a validation letter to them using the po box.. as an aside, if they don't have a correct mailing address for you how could they have sent you the first notice (with the 30 days notice before putting it on your reports anyway)... they may also have sent this to your lka
Re: Re: Removing Hard 'Regular' Inquiries The CA is in California, the OC is in NJ, and I am in NJ, I would be surprised if they bring this to court, the money involved may not be significant enough. I have dealt with default judgements before, whereas they are usually vacated 99.9% of the time with semi-reasonable cause (innocent before proven guilty ?). THat would mean I would have to show up to court to have it vacated, but so would they if they want to object. If a collection notice was sent to a lka, it should have appeared at my door from mail forward, but did not. Do they have to lawfully send me a letter giving me 30 days notice before placing on my report? Perhaps I can send a validation letter to the CA based on failure to notify to allow dispute of the debt.
