07-01-2009 09:30 PM
I just signed up for credit Fico monitoring and score watch and found I have a hard hit from Verifacts. This pull was done on June 18th and I did not authorize it. I googled them and the first paragraph on the webpage says "VeriFacts has specialized in providing the credit/collections industry with high quality location information. Skip tracing has been our only business, and we view our work as both a science and an art."
I see that now that I am signed up I have the ability to dispute this hard hit. Should I? Will this somehow kick me in the butt? I am hoping to buy a home very soon.
07-02-2009 10:59 AM
Unless you apply for credit, a job or insurance no one has the right to do a hard pull. Send them this letter CMRRR.
This letter is sent to Verifacts.
09-24-2009 12:11 PM - edited 09-24-2009 12:15 PM
Did you get a response from Verifacts? I didn't.
Trans Union also failed to provide the Verifacts permissible purpose despite going through their outside counsel. My correspondence is posted at
I'm now getting ready to file the lawsuit.
It's my understanding that Verifacts is a skip tracer. They actually called me to verify/update my address and they did NOT identify themselves as collector and in fact denied being a collector. So they definitely do NOT have a permisssible purpose to get credit reports.
However, I wonder whether I have additional claims against Verifacts because it engages in collection activities and fails to comply with the FDCPA.
Did anyone else get calls from Verifacts or take action about these impermissible credit inquiries?
09-25-2009 07:33 AM
Oh my goodness....
TransUnion deleted a bunch of inquiries -- without questions asked -- when I inquired about different soft and hard pulls on my credit report. I said I didn't understand who X company was and why they pulled my credit. I had not applied for credit or a job.
*poof* They disappeared off of my credit report within seconds. They are still off my credit report.
09-25-2009 10:41 AM
According to the FCRA, credit inquiries must be disclosed to consumers for 2 years and the premature deletions are another reason to sue Trans Union. Of course illegal inquiries should NOT be reported to 3rd parties, but they should ALWAYS be reported on consumer disclosures.
And if you're not going to demand statutory damages for illegal access to your credit data, there is absolutely NO reason to dispute the soft inquiries NOT reported to 3rd parties.
09-13-2013 12:26 PM
this just happpened to me today. They called my work for verification of employment. i called them back and they said they collect information for banks, credit, and student information. I have not applied for credit nor a job. Suggestions? I have no clue what these people want. and I certainly do not want them calling the HR of my work. It is a small family company and I dont want to look bad nor do i want the hit on my credit report.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO