unauthorized credit inquiry

Discussion in 'Credit Talk' started by snowballz, Oct 2, 2003.

  1. snowballz

    snowballz Member

    I several inquiries made to my credit report (Equifax) but I have not made any attempt to obtain credit or open new accounts of any kind.

    Does FAIR CREDIT REPORTING ACT regulate this kind of activity?

    thanks
     
  2. Hedwig

    Hedwig Well-Known Member

    You have to determine if they're hard or soft inquiries. A soft inquiry is when a company pulls information to send you preapproved offers or something like that. They don't hurt your score.

    There are other permissible purposes for hard inquiries as well.

    Are they hard or soft, and who are they from? Do you do any business with the company that pulled?
     
  3. GEORGE

    GEORGE Well-Known Member

    "IF" IT SAYS LIKE...

    PRM-DIRECTV(promo not HARD)
    AR-CHASE (account review not HARD)
    CAPITAL ONE (HARD--YOU APPLIED FOR CREDIT)
    SEARS (HARD--YOU APPLIED FOR CREDIT)


    SOFT (DON'T HURT)
    Anything with the CRA's name
    PRM
    AR
    AM
     
  4. iambroke

    iambroke Well-Known Member

    Just dispute them as "not authorized" and equifax should remove them. I had the same thing happen to me and I wrote to equifax and disputed them. They removed all the ones I disputed.
     
  5. Hedwig

    Hedwig Well-Known Member

    But if they're softs you don't even need to worry about it.
     
  6. iambroke

    iambroke Well-Known Member

    That is true...soft inquiries don't matter.

    Mine just happened to be in the "hard" inquiries section.
     
  7. snowballz

    snowballz Member

    Ok, just found out that one is for a collection agency.
    I guess they all are I have accounts in collection but the names on the inquiry do not match the names of the collection agency or orignal collection.

    I'm really more curious to see why it is being checked.


    NCO Group INC & TRVLRS RETL

    Anyone recognize these?
     
  8. 420greg

    420greg Well-Known Member

    NCO Group, Inc. ("NCO" or
    the "Company") (Nasdaq: NCOG), a leading provider of accounts receivable management and collection service.
     
  9. jlynn

    jlynn Well-Known Member

    So if they are AR inquiries, and they don't have a pp, don't worry about your $1000? :)
     

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