11-18-2010 09:54 AM
For some reason AT and T has two inquiries listed on my CR (one day apart)...anything i can do about this....i don't want it hurting my score
11-19-2010 04:22 AM
11-20-2010 11:13 AM
Less than a month. I'm really annoyed by it. I mean, I don't plan on obtaining new credit any time soon but you never know.
11-20-2010 05:30 PM
Here's what I think you are looking for a non-permissible purpose letter.You may reword it to say they only has permission for one inquiry and not for two inquiries.
Or what I would suggest trying first is, calling at&t and talk with CSR to see if they can fix it over the phone, before you go thru the trouble of writing a letter.
Inquiries report for 2yrs and only hurt your CS for the first year,But from my experience an inquiry only hurt my CS by a few points only.
11-20-2010 05:41 PM
There is no apparent reason for them to have done this. I agree that you should talk with this creditor, and ask them to delete the second inquiry.
But to say that the second was not a permissile pull will be difficult to support.
When they make an inquiry, they have to give a reason for the pull, such as for new credit, or review of an existing account.
There are no provisiions under FRCA 604 that limit the spacing of multiple credit inquiries. I know of no justification for asserting a non-permissible pull.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.