08-05-2009 03:51 PM
Does anyone know who AXIANT is? I've never received anything from them via phone or mail but they have 4 inquiries on my credit report. And 2 of them are 2 days apart and the other two are subsequent months later. Is it legal for some random company to make inquiries? I haven't applied for any credit yet I have 4 hard inquiries on my report. I've disputed it with the CRA but they didn't remove them.
08-05-2009 04:40 PM
Google is your friend:
They are a collection agency. There is dissenting opinion on whether a CA can do a hard pull. Either way I think 4 pulls in a few months is excessive and serves no other purpose than to damage your credit.
08-05-2009 05:40 PM
Sounds like they're fishing . . .
Looking for you to start repairing/rebuilding, so they can make it worse. Anything out there floating around that might have landed with Axiant?
Are you saying they're doing hard pulls or soft pulls?
08-06-2009 01:39 AM
Thanks. Yeah, I knew they were a collection agency but I thought maybe someone knew which creditors they work with. They are HARD PULLS and two were only 2 days apart. I posted my story before but the short version is I live in Paris and have for many many years. While I was in Paris my mother was getting credit cards with my SSN. Fortunately, I've been able to remove most of them but some companies won't remove them without taking legal action against my mother which I won't do.
This was many years ago so fortunately they will be dropping off my report at the end of next year. I never knew about this until earlier this year when I decided to check my credit reports. Even with all of that the scores jumped up to 702 on Equifax and 709 with TransUnion but it was over 800 before I moved to Paris.
Any one have any advice how to get these Axiant hardpulls off my report?
08-06-2009 04:45 AM
Whatever State they're based in....I'd file a complaint w/ the AG's office. Be sure to include the printout of all their INQ.
08-06-2009 10:22 AM
08-06-2009 11:19 AM
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.