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AR soft pull from EOS-CCA?

Valued Contributor

AR soft pull from EOS-CCA?

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!!!

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 1 of 12
11 REPLIES
Moderator Emeritus

Re: AR soft pull from EOS-CCA?

I would expect a dunning notice in the near future.  Smiley Happy  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.
Message 2 of 12
Valued Contributor

Re: AR soft pull from EOS-CCA?


Shogun wrote:

I would expect a dunning notice in the near future.  Smiley Happy  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: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 3 of 12
Moderator Emeritus

Re: AR soft pull from EOS-CCA?

+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.
Message 4 of 12
Valued Contributor

Re: AR soft pull from EOS-CCA?


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: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 5 of 12
Moderator Emeritus

Re: AR soft pull from EOS-CCA?


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


Smiley Very Happy

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.
Message 6 of 12
Valued Contributor

Re: AR soft pull from EOS-CCA?

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....

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 7 of 12
Moderator Emeritus

muRe: AR soft pull from EOS-CCA?

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.
Message 8 of 12
Valued Contributor

Re: muRe: AR soft pull from EOS-CCA?

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
Message 9 of 12
Valued Contributor

Re: muRe: AR soft pull from EOS-CCA?


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?

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 10 of 12