11-28-2010 04:58 PM
So I pulled my TU report after netSpend sent me a Prepaid MC with my name which I never have applied for. I pulled my report because I fear someone is using my identity. A strange unknow inquries is on my TU report,
6000 Permeter Dr.
Dublin OH 43017
Anyone know who this Check Free is? This company only did a soft inquirie on my report, but still. Want to figure out.
11-28-2010 10:04 PM
11-29-2010 03:56 AM
The only thing I know about CheckFree is that it handles the online payments for my Macy's credit card. I don't think they're an independent credit-issuing company, based on the brief research I just did about this company (now owned by Fiserv). Do you have a credit card that also uses CheckFree to process its payments? Then again, I don't know why the company would need to soft you even if you do have a CC that uses CheckFree.
Check Free (now Fiserv) offers many options to its business related customers and has a wide range of customers. Could be a soft pull based on employment check, as example.
11-29-2010 03:04 PM
CheckFree has moved around various ownership structures, but among other businesses they provide the "engine" that powers almost all Billpay services. They offer a direct service, and are providing the service "behind" USAA billpay, NFCIU Billpay and as I said, most banks, as well as Quicken Billpay, which I use.
The Billpay shouildn't vause a credit inquiry though... It never has for me (I used to use MSN Billpay, also a CheckFree product, but moved to Quicken software and bill pay service when Microsoft discontinued MS Money).
11-29-2010 11:12 PM
Well, the only BillPay service I used so far is Wells Fargo. It is very strange for a BillPay company to pull my credit report. Beside that there is nothing fishy on my TU report.
I'll pull my EQ report 3 months later, then EX. I'm pulling this from annualcreditreport meaning I can only pull 1 CR per year.
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