CDV to get rid of inquires?

[Anonymous]

Hello all,

Pardon if this has already been discussed.  I just spoke with a PENFED CSR.  I was complaining about having to do

another hard pull (I did not do it) and she said "oh that is not a big deal, just do a CDV and they will delete them."

She made it sound like it was a sure thing and not a big deal at all.  Anyone have any insight on this?

Thanks!

[Anonymous]

what is a cdv?

[nothingman02]

CDV = Consumer Dispute Verification. Its bally bull.

[Anonymous]

hmmmm

I disputed an inquiry with Equifax and received this:  "Inquiries are a factual record of file access.  If you believe this was unauthorized, please contact the creditor."

[Anonymous]

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@Anonymous wrote:

Hello all,

Pardon if this has already been discussed.  I just spoke with a PENFED CSR.  I was complaining about having to do

another hard pull (I did not do it) and she said "oh that is not a big deal, just do a CDV and they will delete them."

She made it sound like it was a sure thing and not a big deal at all.  Anyone have any insight on this?

Thanks!

---

Most of the time you will have a hard time -- especially with EQ -- trying to dispute an INQ online.  You can do it in writing, but 1) they may delete it and put a fraud alert on your credit report and 2) it is not good to dispute data which you know to be valid and accurate.

[creditwherecreditisdue]

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@Anonymous wrote:

Hello all,

Pardon if this has already been discussed.  I just spoke with a PENFED CSR.  I was complaining about having to do

another hard pull (I did not do it) and she said "oh that is not a big deal, just do a CDV and they will delete them."

She made it sound like it was a sure thing and not a big deal at all.  Anyone have any insight on this?

Thanks!

---

CSR's need to stop giving credit advice. No one should be counseling you to dispute valid CBR information. It is a big deal and could lead to problems you'd rather not have, such as being labeled a frivolous disputer or having an FA placed on your credit file. It is almost impossible to carry off disputing an INQ from an organization you already have an account with.

[DI]

Some CSR's are off the chain.  They know how to get customers off the phone.  But that CSR certainly shouldn't have given that type of advice.