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markdfoley wrote:First Kiven thank you for your response.Most of all why is there a fourth credit bureau we are not told about?Again, it is NOT a 4th credit bureau, it's a collection agency. Send a dv letter and refer to the inquiry and ask what permissiable purpose for their inquiry.
I hope this helps because Experian just informed me that these two companies inquired about me.
It seems to be that CBD (Credit Bureau of Delmarva) and CREDIT PLUS INC are all one in the same company. They both have the same phone number. CBD does NOT have their own web site.
CBD (Credit Bureau of Delmarva)
530 RIVERSIDE DRIVE SUITE 1
SALISBURY, MD 21801
410-742-9551
CREDIT PLUS INC
(Corporate Headquarters)
31550 WINTERPLACE PARKWAY
SALISBURY, MD 21804
410-742-9551
CREDIT PLUS INC (EZdesk.com Member - 1-630-214-4645)
530 RIVERSIDE DRIVE
SALISBURY, MD 21801
410-742-9551
800-258-3488
800-258-3287 (fax)
http://www.creditplus.com
It's normal for your report to be pulled for a mortgage once to get approved and then just before closing to see if there were negative changes.
This company appears to have done a 'soft inquiry' (even though I'm not entirely sure what that is) and I have not applied for credit in the last several months. The only thing I can think of is that Wells Fargo just bought our mortage, soon to be transfered to them next month. Could this be the source of the pull? I've recently gone through credit repair and my score is just now starting to look good, I really don't need more than the necessary inquiries. Should I contact them and ask what they are doing looking at my information?