Re: AR soft pull from EOS-CCA?

injustifiiable · ‎11-05-2012

Jeez...I wonder what's gonna happen now.

Was checking my EQ online and I see a soft pull from these people in the inquires section.

Kinda nervous but at least it's not a hard pull!!!

Shogun · ‎11-05-2012

I would expect a dunning notice in the near future. You could DV them now, seeing as it would be timely.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

rckstrscott · ‎11-05-2012

@Shogun wrote:
I would expect a dunning notice in the near future. You could DV them now, seeing as it would be timely.

I would expect a report w/ no dunning, because that seems to be these guys MO..

We have had good success on the board with contacts/BBB complaints.. keep an eye on it, and if it hits, we go your back!

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790

Shogun · ‎11-05-2012

+1 rckstrscott is knowledgeable about this creditor. He's that Scott. Lol. Sorry, inside joke. But seriously, he has positive outcomes dealing with this CA. Good Luck!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

rckstrscott · ‎11-05-2012

@Shogun wrote:
+1 rckstrscott is knowledgeable about this creditor. He's that Scott. Lol. Sorry, inside joke. But seriously, he has positive outcomes dealing with this CA. Good Luck!

Don't worry, I created this thread with a fake user to boost my resume!

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790

Shogun · ‎11-06-2012

@rckstrscott wrote:
@Shogun wrote:
+1 rckstrscott is knowledgeable about this creditor. He's that Scott. Lol. Sorry, inside joke. But seriously, he has positive outcomes dealing with this CA. Good Luck!
Don't worry, I created this thread with a fake user to boost my resume!

-scott

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

injustifiiable · ‎11-07-2012

Sure enough, I get a voice mail from them on my home phone today. No mention of what they debt was, though.

Guess I'll be writing up a DV soon....

Shogun · ‎11-07-2012

You must receive a dunning notice from them within 5 days or it's a FDCPA violation.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Jutz · ‎11-07-2012

Quick question guys, what monitoring service are you using where you see soft pulls? Maybe I'm just not looking in the right place

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

injustifiiable · ‎11-14-2012

@Jutz wrote:
Quick question guys, what monitoring service are you using where you see soft pulls? Maybe I'm just not looking in the right place

You're not able to see soft pulls from any CMS usually. I'm only able to see softs from the CRA's websites directly.

Hope that helps.

Anyway, I did get a dunning and sent a DV. I recognize the OC...NCO Financial had it before. I did a DV on them a while ago but never received any validation back from them. Maybe it's some kind of Junk debt?

AR soft pull from EOS-CCA?

AR soft pull from EOS-CCA?