LilMirth wrote:Wait five days + 3 for mailing, for a dunning letter.
I am in the camp that believes that a CA does not have permissable purpose to place a hard INQ on your credit report. My camp likes to sue CAs who do. ;-) I'm also in the camp of using for leverage FDCPA violations to offset and delete a debt, or greatly reduce and delete a debt-- or to countersue a FDCPA violator would try to sue me.
Failure to send a dunning letter - $1000
Causing an inquiry that can be seen by others without permissable purpose - $1000
Getting a consumer attorney to file suit on your behalf, whereas they'll tack on ridiculously high fees... Priceless.
If these people are associated with Portfolio than I am really going to be unhappy. Portfolio did a hard inquiry and so did two other CA's that fall under htem all within a few days of each other last year. So ALL of my Inquiries on TU are from Portfolio. I do not like the fact that they are doing HARD inquiries and will follow-up with them on this. 5 days +3 is ALL THEY ARE GETTING.
Starting Score: TU:537