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Discussion in 'Credit Talk' started by jfpruitt, Jul 24, 2001.
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Can anyone help me here?
I don't think anyone really can add anything to this. Yes, Identity Guard sucks and gives you a score unrelated to anything but phases of the moon, and yes, Trans Union has always refused to allow inquries to be disputed.
Well, I was thinking that they did..that is totally ridiculous...that should be illegal!!
The standard answer you will get from TU is that creditors may request your credit profile for "permissable" purposes. When discussing this with them, they seem to maintain that any sort of inquiry can be defined as "permissable" from a collection agency trying to track you to a review of your profile for an offer of "preapproved" credit.
They will generally hold to this line, and tell you that you have to contact the creditor about the inquiry. I have found that to be very effective, simply by writing the creditor and insisting they provide me a copy of a signed application for any inquiry that is showing. Out of 12 inquiries I managed to have the various creditors remove 7.
I imagine if you chose to fight TU regarding this, it would come down to a judge's interpetation of "permissable". I would try with the creditors to see what happens first.