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Mrs. BPO

Regular Contributor

Mrs. BPO

Hello board-

 

This company requested a credit history but I don't rememeber authorzing. Should I report it? It is schedule to end Jul 2012

 

 

Thanks!

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Message 1 of 4
3 REPLIES
Valued Contributor

Re: Mrs. BPO


Yoli14 wrote:

Hello board-

 

This company requested a credit history but I don't rememeber authorzing. Should I report it? It is schedule to end Jul 2012

 

 

Thanks!


If someone hit you with an unauthorized hard inquiry, and you did not apply for credit with them you can dispute it.  However, it doesn't affect your score after a year, so it's not that big of a deal.

 

But Google says MRS BPO is a collection agency.  Do you have a collection account for MRS on your report?

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 2 of 4
Regular Contributor

Re: Mrs. BPO


p- wrote:

Yoli14 wrote:

Hello board-

 

This company requested a credit history but I don't rememeber authorzing. Should I report it? It is schedule to end Jul 2012

 

 

Thanks!


If someone hit you with an unauthorized hard inquiry, and you did not apply for credit with them you can dispute it.  However, it doesn't affect your score after a year, so it's not that big of a deal.

 

But Google says MRS BPO is a collection agency.  Do you have a collection account for MRS on your report?


I don't

 

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Message 3 of 4
Moderator Emeritus

Re: Mrs. BPO

There's debate here, but the FCRA allows for CAs to pull your report. If it's over a year old, as mentioned, then there's no FICO impact and I don't think lenders would care, in general. I personally would be concerned if the CA still owned it. If disputed, the CA would know.

Message 4 of 4