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acissej323
Posts: 120
Registered: ‎02-20-2008
2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 11:32 AM

The apartment complex pulled my CR as a hard pull twice in two days. On my report it shows up as a company called SAFERENT who actually pulled the reports on behalf of the complex.  Do I send a non-pp letter to the complex, or the company that actually pulled CR twice? 
 
 I went into the office, and they were of no assistance, and the secretary just stated that they may have had to double check something.... that doesnt even sound right? Couldnt they have done the double checking- if need be as a soft inquiry?
I am shooting for 700 within the next year.
as of 2/20/2008
TU: 623, EXP: 553, EQ: 552
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1111mel
Posts: 1,060
Registered: ‎02-13-2008
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 11:44 AM

Since your credit was pulled for the same reason within a 14 day period, it only counts as one inquiry.
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MidnightVoice
Posts: 8,091
Registered: ‎03-25-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 11:47 AM


1111mel wrote:
Since your credit was pulled for the same reason within a 14 day period, it only counts as one inquiry.


I believe that only applies to cars and mortgages.
 
I am not sure of the effect of landlord pulls
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ByrdMan
Posts: 7,975
Registered: ‎12-19-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 11:48 AM


1111mel wrote:
Since your credit was pulled for the same reason within a 14 day period, it only counts as one inquiry.


This is only in the case of a mortgage and an auto loan (and they have to be coded as such in order to be de-duplicated).

What in the world would they need to double-check that they couldn't see on the first report? Makes no sense. I would send it to the complex first.
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KingAdrock
Posts: 650
Registered: ‎07-17-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 11:50 AM

MidnightVoice wrote:
1111mel wrote:
Since your credit was pulled for the same reason within a 14 day period, it only counts as one inquiry.
I believe that only applies to cars and mortgages.
I am not sure of the effect of landlord pulls
Agreed. As I recall it's a 2 week period for car loans, 4 for mortgages.

But as I'm told landlord inqs don't really effect your score.

Until they officially renounce financial reviews, I won't touch Amex with a thirty nine and a half foot pole.
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ByrdMan
Posts: 7,975
Registered: ‎12-19-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 11:53 AM


KingAdrock wrote:
MidnightVoice wrote:
1111mel wrote:
Since your credit was pulled for the same reason within a 14 day period, it only counts as one inquiry.
I believe that only applies to cars and mortgages.
I am not sure of the effect of landlord pulls
Agreed. As I recall it's a 2 week period for car loans, 4 for mortgages.

But as I'm told landlord inqs don't really effect your score.


That's b/c they are supposed to be soft inqs.  But, if they are hard inqs they could affect the score.
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KingAdrock
Posts: 650
Registered: ‎07-17-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 12:00 PM

ByrdMan wrote:
That's b/c they are supposed to be soft inqs. But, if they are hard inqs they could affect the score.
True, but my understanding was it doesn't effect your score much since it's not an application for credit. It's the landlord checking to see if you pay your bills or not.
Until they officially renounce financial reviews, I won't touch Amex with a thirty nine and a half foot pole.
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ByrdMan
Posts: 7,975
Registered: ‎12-19-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 12:03 PM

A hard inq is a hard inq and will hurt regardless of who it comes from. Landlord inqs are supposed to be soft inqs (which is why it shouldn't hurt).
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Contributor
acissej323
Posts: 120
Registered: ‎02-20-2008
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 12:09 PM

I dont know what they needed to double check either, doesnt make sense.. In my previous apartments, they have all been soft INQs, so this was new to me. I'll be sending them a non PP letter today.
I am shooting for 700 within the next year.
as of 2/20/2008
TU: 623, EXP: 553, EQ: 552
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Moderator Emeritus
ByrdMan
Posts: 7,975
Registered: ‎12-19-2007
Re: 2 INQs from apartment complex, who do I send non-PP to?

‎03-17-2008 12:19 PM

Softs are cool. They don't hurt, even though it's still stupid that they softed you twice.
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