If the CRA is requiring a police report, what they are really saying is that they want legal assertion by y0u (which is what a police report is, since it carries criminal penalities for any false statements you make therein) that the certificaation fiiled by the party when they requested your CR was false. It goes back, once again, to FCRA 607(a).
In thinking about this approach, that is probably your best and most direct approach you can take! I like it!
And here is why......
You just go to your police station and simply assert that "I have false information in my consumer credit file that does not comply with FCRA 607(a) and FCRA 604 I have reason to believe possible credit fraud do this reporting."
Identify each inquiry. (Of course, the police will have absolutely no idea what you are even talking about, so it will be up to you to essetially write it for them)
With a copy of this police report in hand, you can then take binding action with the CRA.
Here is the quick and easy process.
This police report is what is referred to under FCRA 603(q)(4) as an "identity theft report."
Then, all you have to do is write a quick and simple letter to the CRA under the provisions of FCRA 605B, asking for an immediate block of the inquiries.
You only have to do four simple and direct things in this letter:
1. provide appropriate proof of your identity,
2. a cipy of the identity theft (police) report,
3.identification of the inquires to be blocked,and
4.a statement that the inquiries do not relate to any information relating to any acount of yours, with any permissible purpose under FCRA 604.
I actually took the FTC fraud aff and filled out .A law enforcement offcer then placed his signature and police report number for temp use while the police report will be wriiten.Only problem I might have is I had a fraudulent medical biil that Equifax wont remove , but is finally gone for the momnet.But I have had things removed and replaced on file before as child support but finally removed it to FCRA voilation and a lot of letters to the BBB and Attorney General.That really help but took persistence a hell of a lot..Hopefully it wont re appear .
True, they can come back on once a fraud block is removed.
That may be significant for significant credit reportings, but we are not talking about a significant credit reporting issue here. We are taling only about getting a credit inquiry blocked from your CR from now until one year from the date of inquiry. If it comes back on after that date, it will then be past the one one year scoring date by FICO, so who cares? You are just buying months.
hello, i notice you have the same thing as me and i havent been able to figure out what it mean---->Credco??, do you have the number fore that?? i have some inq as well and there is NO number on any of them..
Inquiries are becoming harder to remove lately.Here recently I have had some appear from debt collectors.These companies are just being Mod Cut and trying to damage the credit score more by placing the debt as well as the inquiry on the files.I use the attorney general in these matters.Usely googling the information will obtain numbers for the companies.If theres anything else I can help with, let me know.
I worry all the time about inquiries...won't do so anymore.
3rd325 wrote:As an underwriter at JPMorgan, the parent company to the company the owns FUSA, I doubt they just do hard inquires into your credit (they do not need to, if you have accounts w/them your credit file is open for them to reveiw. Even if you don't have accounts they can still purchase it.). If you have accounts with FUSA and have requested lower rates or higher credit limits or other such things then you have infact been consenting to inquires. If you do not have accounts then perhaps you have applied for credti somewhere that is owned by FUSA or with someone who "priced" you out to them. From my experience most people worry way too much about inquires, which have little effect unless taken to the extreme, when they should be worrieing about other things that have far more impact on their credit.
Jack_Sparrow wrote:I have quite a few inquiries that need disputing on each of my reports, especially Transunion. Transunion currently has 19 for me. About half of them need to go. When I go to the online dispute for TU and EX they will only let me dispute accounts and a few other things. Is there any way to do this online? I hate writing through mail and phone I don't feel like the information can be presented as clearly.
Yes and no, There are no ways online no more.But writting the BBB, or your attornery general and explaining they aare unauthorized or fraudulent may help.Here recently I havent had any luck at al.The swear they are not disputable, even tho I feel they are in accordance with the FCRA.Best way to have them removed is a police report if they are fraudlent.