Reply
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: what should I do about a ca soft pull?



Lori344 wrote:
 
Would you suggest that I mention the hard inq when I DV them or just DV based on the letter?


No mention of the INQ. Just simple DV. Also make no mention of cease and desist, at all.
 
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: what should I do about a ca soft pull?



onmyway3161 wrote:
At this point I feel like I am just waiting to see what they will pull next. They have already hurt me with the new delinquency and two hard pulls.

If the calls they are making, and I presume messages they are leaving on your answering machine, are getting to you, consider recording your calls. Give the AG's office a call to verify you aren't required to notify.
 
Do you have Caller ID? If so, note the numbers showing up on Caller ID when they call. Take a picture of the Caller ID unit showing their number. If they used their correct phone number, rather than a spoofed number, that's pretty solid proof they are in violation of FDCPA. If you don't have Caller ID, you might consider it.
 
Record your answering machine messages from them to audio tape. If you're really techno-geeky, use your computer's mic to pickup the audio and burn a CD with the answering machine message. Read a short intro into the mic, then play the message from the answering machine.
 
"My name is <state your name>. My home telephone number is <state your number>. My address is <state your complete street address, city, state, zip>. The current date and time are <fill in the current date and time>. On July 12, 2007, I received a phone call at home and a message on my answering machine. My Caller ID unit shows the call came from <state the name and number showing on Caller ID unit>. I will now play the answering machine message I received."
 
Then play the answering machine message.
 
Frequent Contributor
Posts: 313
Registered: ‎04-01-2007
0

Re: what should I do about a ca soft pull?

[ Edited ]
Noah, thank you for all your help. I'm off to write my DV.
 
 
 
Keep us updated onmyway3161, best of luck to you.


Message Edited by Lori344 on 07-12-2007 06:16 PM
Contributor
Posts: 111
Registered: ‎05-13-2007
0

Re: what should I do about a ca soft pull?

I just checked my TC report and the two hard pulls on my TU from the CA are gone! I had called TU today and ask if this CA could do two hard pulls on my CR (if this is legal)  I wonder if this had something to do with it?
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: what should I do about a ca soft pull?



onmyway3161 wrote:
I just checked my TC report and the two hard pulls on my TU from the CA are gone! I had called TU today and ask if this CA could do two hard pulls on my CR (if this is legal)  I wonder if this had something to do with it?


Could be. Keep an eye on it every couple of days for a few weeks. Then drop back and check once a week for 2 months. After that, update monthly.
 
If you are already updating on TC more frequently, stick with that.
 

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.