General Credit Topics

[ilovepizza]

I write on new account app. Over rides all printed, no hard inq for app. I have never been hit with an inq for non credit banking since. They do hit me on Chexsys each time, but I don't mind. I have also been denied bank accounts because I advised them no hard inq's. But I can always open a bank account at a competitor bank. The important thing is that I have avoided further inquiries.

[fused]

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Anderson wrote:

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!

Ha! Pulling someone's credit in no way can suggest or prove they are a dirty money-laundering terrorist. These types probably have no credit file or scores, everything is hidden.

[Anderson]

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fused111 wrote:

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Anderson wrote:

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!

Ha! Pulling someone's credit in no way can suggest or prove they are a dirty money-laundering terrorist. These types probably have no credit file or scores, everything is hidden.

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Whoa. You are using logic. That's not the way these things work. Welcome to the 21st century. You are now guilty till proven innocent & don't forget it. 

BTW are you familiar with 'Know Your Customer'? Google it. You too may get to speak with a friendly FBI agent or be introduced to the fine folks at Homeland Security.

Message Edited by Anderson on 09-22-2007 10:59 AM

[clarrkkent]

A mortgage lender ran my credit about two months ago without receiving my written or verbal consent(they had my SS# from doing business with them 5 months before). I did however meet with them a couple days later and the loan officer had me sign a consent form...of course dated for 5 days after the actual inquiry.

I should point out that I only wanted them to run some numbers to see if I could be approved for certain loan amounts and THEN proceed with the credit pull if the debt/income ratios worked out.

The more I think about this, the more it bugs me. Did they have PP? Would I not be able to pursue this because I signed a consent after the fact?

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Message Edited by clarrkkent on 10-04-2007 01:06 AM

[rebuilder]

When I applied to Juniper recently they pulled me hard THREE times.  I tried emailing customer service and asking them to correct.  They replied that I should contact the CRA.  I'm now drafting up a letter to Juniper, but was wondering if I could say something stronger than "please recode or remove"?  Does one app give permissible purpose for multiple pulls?  If not, what should I say that is more motivating than a simple request?

Thanks.

[Timothy]

Did you do these all on the same date?

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rebuilder wrote:

When I applied to Juniper recently they pulled me hard THREE times. I tried emailing customer service and asking them to correct. They replied that I should contact the CRA. I'm now drafting up a letter to Juniper, but was wondering if I could say something stronger than "please recode or remove"? Does one app give permissible purpose for multiple pulls? If not, what should I say that is more motivating than a simple request?

Thanks.

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[rebuilder]

I only applied once!  They pulled TU on 9/19, 9/27, and 9/30 - all hard inqs!

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Timothy wrote:
Did you do these all on the same date?

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rebuilder wrote:

When I applied to Juniper recently they pulled me hard THREE times. I tried emailing customer service and asking them to correct. They replied that I should contact the CRA. I'm now drafting up a letter to Juniper, but was wondering if I could say something stronger than "please recode or remove"? Does one app give permissible purpose for multiple pulls? If not, what should I say that is more motivating than a simple request?

Thanks.

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[Timothy]

Dang, Amex did this to me - I had to fax a letter to their "Media Department" to have the additional INQ's re-coded.

I applied for 3 Junny cards in one day and only had 1 INQ.

I would escalate to a supervisor at Juniper-
Start with the Please recode letter and send written dispute to TU.

If you don't get the results you want... come back and we can come up with next actions.

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rebuilder wrote:

I only applied once! They pulled TU on 9/19, 9/27, and 9/30 - all hard inqs!

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Timothy wrote:
Did you do these all on the same date?

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rebuilder wrote:

When I applied to Juniper recently they pulled me hard THREE times. I tried emailing customer service and asking them to correct. They replied that I should contact the CRA. I'm now drafting up a letter to Juniper, but was wondering if I could say something stronger than "please recode or remove"? Does one app give permissible purpose for multiple pulls? If not, what should I say that is more motivating than a simple request?

Thanks.

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[rebuilder]

Thanks Timothy.

[Eagle56755]

Let me get this straight.  A CA has PP to pull a CR on me at any time?  Or do they have to have a signed statement by me allowing them to pull one. 

I had a agency ARS, call me to "discuss" a situation, and the agent on the other end of the line was looking over my credit report as we spoke.  Is this legit?