General Credit Topics

[Tuscani]

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getnthere wrote:

I have multiple inquiries from the same unauthorized inquirer, is each offense worth $1000 or are they considered one offense?

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Each is $1k

[Mike14]

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Mike14 wrote:

Bump

I don't think the company is going to remove the inq.  What do I do next if they don't, file a claim in small claims court?

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They removed it!!!  This letter really works!  I really shouldn't pull EX again, as I just pulled it a few days ago; however, if i don't pull today, I might never be able to again....  I'm so torn!

[Tuscani]

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Mike14 wrote:

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Mike14 wrote:

Bump

I don't think the company is going to remove the inq.  What do I do next if they don't, file a claim in small claims court?

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They removed it!!!  This letter really works!  I really shouldn't pull EX again, as I just pulled it a few days ago; however, if i don't pull today, I might never be able to again....  I'm so torn!

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Congrats!

[Mike14]

Well, we pulled both my wife's and my Experian FICOs late Friday night: no change to either.

[superG]

ThanksTuscani!  What a Great Letter!  any ideas on the post I just did ?  I think I put it under general cr repair...

Just Busted a Collection Agency for breaking rules but not sure which ones.... and now what?

[abadfish66]

I used this letter, sent it out 2 weeks ago, have not seen an update, or heard from the companies. I have 3 from collect america within a 5 month period. Is there a follow up letter, or should I give it more time?

[tullz85]

This isn't as important as other aspects of my credit, but here goes. I've read this whole forum, thanks for the wealth of info!!!

My main question is, I opened a checking account through Bank of America and did it online. I wasn't aware there's a credit check. I hear it's soft and I heard it's hard, but it shows up on TU. 

I wasn't aware that opening strictly a checking account with no cc applications would give me an inquiry on my TU.

Should I write a letter? Or am I out of luck?


Thanks!!!

[llecs]

I'd say you are out of luck, IMO. Most banks pull your credit before issuing a checking or even a savings account. Penfed, BofA, and Wachovia all hit me with hard inquiries within the past 2 years due to opening new accounts.

[tullz85]

Well, at least those will fade and it's not a huge hit, but still. I just find the principle disgusting, I understand to a degree why, but why a hard pull?!?! Does not make any sense!

[llecs]

I understand a need for a credit pull. It is easy nowdays to get hit with a CO checking acct. Maybe the hard pull is to see whether or not you have other banks COs in the past. Though, I gues banks could easily use Chexsystems to figure all that out, rather than pulling from one of the 3 CRAs.