Reply
Established Member
ang123
Posts: 23
Registered: ‎09-22-2011

CA Hard Inquiry..?

 

I have alerts set up so that if anything on my report changes, I am kept in the loop. This morning I was greeted with a message stating that A medical collection agency has done a hard inquiry on my report. Now, its obvious that I have not applied for a line of credit with them.. do they have the right to do this? Can I dispute this inquiry? I need to get my score as high as I can because we would like to buy a house.. and anything helps!

Moderator
pizzadude
Posts: 8,659
Registered: ‎01-28-2010

Re: CA Hard Inquiry..?

 

Unless you are absolutely sure that this is a case of mistaken identity, I don't think there is much you can do.   If you are absolutely sure that you don't have outstanding collection items, you could send them a non-PP letter.

 

Although some people would argue the point, in practice CAs are generally believed to have Permissable Purpose to pull your credit.   However, this action constitutes collection activity, so the CA would be required to send you notification in writing.

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+