To all people that tried bkevs disputing method and got a form letter, What exactly did you put down in the "other" box I see a lot of people put down, " no permissable purpose- delete" I think that maybe Tu is running a word scanner that is set to pick up keywords. Everytime permissable purpose is picked up , you get a form letter. If you can, please dispute again and put down, " did not apply for credit, please delete" Maybe it will work this time. I am just trying to figure if this has anything to do with it. If it doesn't work , sorry for wasting time lol. We shouldn't give in so easily right?
I disputed 4 inquiries online using that exact language and received the form letter. Cut and pasted, used date as acct. # exactly as it was on the report etc.
I think it has something to do with the clerk who receives the dispute. Whats the difference between you and me disputing inquiries with the same wording, yours gets deleted and mine doesn't? The other variables would be how many are being disputed and how many do you have. Maybe if your disputing 17 the clerk assumes (I know it's a stretch) that with that many some have to be wrong. I sure don't know, just trying to guess.
The first time I put did not apply for an account, please delete The second time I put did not apply for an account and do not do any business with this company, please delete The third time I put I did not apply for credit and have never done business with them - DELETE None of it works, and I did it just as said
Impermissable reason works for some inquiries, but only for some. Definitely not all. You should visit te FTC website and check out the FTC opinion letters which deal with this subject for difinitive answers to your questions. Their letters state that just because you went to a dentist for a checkup and estimate of his services does not give him the right to pull your credit. It is the same for shopping for an automobile and many other things. Check it out. You will be glad that you did.
Or as one of the gags on an old radio show was they would play the sound of a siren going by and the commedian would holler out "I didn't do it! You can't hang an innocent man." I think it was the old "Life of Reilly" show or maybe "The great Gildersleeve" show. Or maybe it was "Fibber McGee and Molly" show. I don't remember which one it was for sure, but it was kinda funny.
