I know there is always the wording in the reports that could affect scores differently, but I only see a difference between these 2 reports on the inquries.
Equifax Inquiies
October 09, 2008 First Usa
June 20, 2008 Cap One
Transunion Inquiries
October 29, 2008 Cavalry Portfolio Svcs
June 20, 2008 Capital One Bank Usa Na J
June 10, 2008 Wachovia Bank Na
I am wondering if after June 20th when the Cap Ones and Wachovia will be gone if my score is going to swing. Also I was thinking about sending Calvary Portfolio Services a Non-PP letter asking them to remove that inquiry. But I know it is a bit of a mystery whether a collection agency has a PP to make a hard inquiry.
