Separate names with a comma.
Discussion in 'Credit Talk' started by snowballz, Oct 2, 2003.
Does FAIR CREDIT REPORTING ACT regulate this kind of activity?
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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?
"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
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.
But if they're softs you don't even need to worry about it.
That is true...soft inquiries don't matter.
Mine just happened to be in the "hard" inquiries section.
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?
NCO Group, Inc. ("NCO" or
the "Company") (Nasdaq: NCOG), a leading provider of accounts receivable management and collection service.
So if they are AR inquiries, and they don't have a pp, don't worry about your $1000?