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Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Off topic, Tuscani, but ....



MercyMe wrote:
Tuscani, I am so very glad that you didn't fall off a bridge.  Hope all is well with all of yours.
 
just me



As am I! Seems so surreal. I used that bridge regularly.
Regular Contributor
Posts: 149
Registered: ‎07-30-2007
0

Re: Non Authorized Inq Letter

Seeing this post made me go look further at my report .
 
Transunion is the only one reporting  something,  Can someone look at what is notated on my report from Tranunion that I pulled yesterday through Suze Ormans Platinum kit?
 
The first one is a pull effecting my score from my apartment application.  Should that not be effecting my FICO as it explains here.  The second one is a CA for sure. Do I understand right .... that a CA can not pull your info like this?  As I am new to this forum, any explanation and what I can do would be appreciated.
 
Here it is:
 
Inquiries

An inquiry indicates when a business, usually a lender, has checked your credit. The inquiries listed here are the number of times in the 12 months since the date of this report that a lender has checked your credit at TransUnion. These inquiries appear because you applied for credit with the listed company. Inquiries associated with applying for new credit are the only kind of inquiry that may hurt your FICO® score.

Inquiries affecting your FICO score
 
Total: 2 Times
 
Date Company making the inquiry:
January 12, 2007 284pecanridge/Cbcinnovis
 August 11, 2006 Elite Recovery Services

Inquiries listed here are requests by lenders to view your credit report because you have applied for credit with them. Having many inquiries can hurt your FICO score, because that might be a sign that you are in a financial situation where you need credit. A single inquiry, however, will have little impact on your score.

Three other kinds of inquiries do not affect your FICO score and are not listed here. One occurs when lenders search for consumers that might qualify for pre-approved credit. Another occurs when you request to view your own credit report, such as when ordering products on myFICO. Other inquiries that do not affect your score are any inquiries used for purposes other than granting credit, such as an inquiry requested by a landlord. Note: In general, inquiries contribute to less than 10% of your FICO score.

 
Sustaining Change takes Support and Reinforcement !

FICOS 02/03/2013, TU -798, EQ - 805 ( Last known EX -812)
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Non Authorized Inq Letter

Well, BofA recoded their non-PP INQs from hard to soft. Guess I'll watch for a settlement check in the mail, then sue.
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Non Authorized Inq Letter



Noah_Bodie wrote:
Well, BofA recoded their non-PP INQs from hard to soft. Guess I'll watch for a settlement check in the mail, then sue.


Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 716
Registered: ‎06-03-2007
0

Re: Non Authorized Inq Letter

Truelogic, a CA, did a hard pull on TU a few months ago.
 
Truelogic is not listed on any report as a creditor or CA of any account.
 
I have never had any contact from Truelogic.
 
I disputed the Inq with TU, they said to contact Truelogic.
 
I mailed letter CMRRR to Truelogic at the address listed on my CR.
 
The letter was returned to me, 'Return to sender, incorrect address, unable to forward'
 
What next?
 
 
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Non Authorized Inq Letter



fused111 wrote:
 
Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!


I don't see how they can. Opening a checking or savings in no way can be considered a request for credit. The FCRA is more than a little vague in many areas, and this is one of them.
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Non Authorized Inq Letter

[ Edited ]


Noah_Bodie wrote:


fused111 wrote:
 
Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!


I don't see how they can. Opening a checking or savings in no way can be considered a request for credit. The FCRA is more than a little vague in many areas, and this is one of them.


Agreed! I share the same argument, opening new banks accounts is not an app for new credit.


Message Edited by fused111 on 09-21-2007 05:26 PM
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 139
Registered: ‎08-04-2007
0

Re: Non Authorized Inq Letter

Wells Fargo did a hard inquiry on me when I opened my savings/checking/CD accounts.
Established Contributor
Posts: 716
Registered: ‎06-03-2007
0

Re: Non Authorized Inq Letter

Um. I think provisions of the Patriot Act allow them to do this. Gotta make sure you are not a dirty money-laundering terrorist. Thank the prez & congress for their concern.

fused111 wrote:
 
Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!



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