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Hard Inq from CA

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jordanmedical
Established Contributor

Hard Inq from CA

Asked on the mortgagae side but this is probably the better place to ask. Got a Hard inq from a collection agency. Already filed a BBB dispute demanding PP and a dunning. Should I file a DV and will this stop all collection efforts including them reporting to the CRAs?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Message 1 of 6
5 REPLIES 5
llecs
Moderator Emeritus

Re: Hard Inq from CA

I'd send a DV. If in the mortgage process, then I'd also contact the OC to see if they'd pull it back if you can pay it.

Message 2 of 6
jordanmedical
Established Contributor

Re: Hard Inq from CA

I don't even know who it is from, Should I contact the CA to find out?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 3 of 6
guiness56
Epic Contributor

Re: Hard Inq from CA

When you send the DV you can ask specifically who the OC is and their address.

Message 4 of 6
jordanmedical
Established Contributor

Re: Hard Inq from CA

I see a diffenrent address on their website (Ohio) then the one on my credit report (Indiana), anyone deal with General Revenue Corp?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 5 of 6
guiness56
Epic Contributor

Re: Hard Inq from CA

Message 6 of 6
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