topic Re: I expected INQs that never showed up in Credit Cards

I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 21:03:29 GMT

I am curious... I know I applied for a Best Buy card and a credit line at a furniture store last month that never showed up on my CRs. Also, a Circuit City denial listed a different credit bureau than TU, EX, or EQ, but I can't remember what. That also never showed up on my CRs. I'm certainly not complaining. I'm just curious about why they didn't...

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 21:10:03 GMT

The first thing that comes to mind is if you have a split or dup file.

If you use a CMS and pull monitoring reports daily... big chance of this being a split file which is easily fixable by requesting that the CRA merge the two.

Did you ever use any other SSN... or typo it on applications? Anyone ever do the same to you (any other odd names or addys on your CBRs?). That would be something to look into.

Additionally, if you disputed old but valid addys off of your reports this can cause issues.

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 21:11:02 GMT

Was Circuit City pulling Innovis?

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 21:16:53 GMT

@SmartCookie wrote:
The first thing that comes to mind is if you have a split or dup file.

If you use a CMS and pull monitoring reports daily... big chance of this being a split file which is easily fixable by requesting that the CRA merge the two.

Did you ever use any other SSN... or typo it on applications? Anyone ever do the same to you (any other odd names or addys on your CBRs?). That would be something to look into.

Additionally, if you disputed old but valid addys off of your reports this can cause issues.

Hmm...I don't think anything like that has happened and all of the addresses on my account are valid. I have also never disputed an address. I do use TrueCredit. How would I know if there was more than one file?

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 21:18:00 GMT

@SmartCookie wrote:
Was Circuit City pulling Innovis?

That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 21:38:56 GMT

TracyFace wrote:

That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...

Hmm I have to check but it sounds like Chex Systems... doesn't make sense unless they pulled more than 1 bureau. Yes please let us know what exactly it was, I'm curious.

As far as seeing if you have a split file, just call up the CRAs and have them check and see if there is something to merge. If this is the case, yep you will see all those INQs but it has to be done. Split files are not good. Again, if this is not the case let us know... someone here will help you figure it out.

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 21:42:20 GMT

SmartCookie wrote:

TracyFace wrote:

That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...

Hmm I have to check but it sounds like Chex Systems... doesn't make sense unless they pulled more than 1 bureau. Yes please let us know what exactly it was, I'm curious.

Following this thread because this has me curious as well. Circuit City pulling Chex for a CC app? Weird.

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 21:43:56 GMT

hiya cheddar!

I'm just guessing... would be strange wouldn't it? Would have to be a 2nd pull though... maybe they had trouble with the 1st INQ on one of the big 3 due to a split and wanted more verification?

We shall see.....

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 21:54:25 GMT

Yikes. I am terrified that there is a horrible hidden credit report out there somewhere that I am about to discover... I will report back...

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 21:56:39 GMT

TracyFace wrote:
Yikes. I am terrified that there is a horrible hidden credit report out there somewhere that I am about to discover... I will report back...

Don't worry too much... it looks like you pulled your FICOs just the other day. When you can't pull your own reports is when there is 'Big Trouble'.

We'll wait for your report.

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 22:02:46 GMT

Could the three letters be CSC? I am in Texas and thats who they use instead of EQ.

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 22:05:10 GMT

jaybee wrote:
Could the three letters be CSC? I am in Texas and thats who they use instead of EQ.

I bet you are right.

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 22:06:21 GMT

@Anonymous wrote:
Could the three letters be CSC? I am in Texas and thats who they use instead of EQ.

Oh. I bet that's it! Who the heck are they? How can I get a copy of that report? Thanks!

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 22:11:31 GMT

If you go to Equifax they will auto direct you.

or-

csccredit.com

Hope this helps.

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 22:12:17 GMT

@Anonymous wrote:

@Anonymous wrote:
Could the three letters be CSC? I am in Texas and thats who they use instead of EQ.

Oh. I bet that's it! Who the heck are they? How can I get a copy of that report? Thanks!

I am more than willing to be it is CSC.

Any more word on what happened?

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 22:29:02 GMT

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:
Could the three letters be CSC? I am in Texas and thats who they use instead of EQ.

Oh. I bet that's it! Who the heck are they? How can I get a copy of that report? Thanks!
I am more than willing to be it is CSC.

Any more word on what happened?

Grrr...No problem calling TransUnion and verifying that they have only one file for me. Just finding a number for the other two is driving me crazy! Apparently you can only get a number for Equifax by logging in and I don't remember my login. That is ridiculous. Experian wants me to call the number on my report ordered from them. I got it through TrueCredit and can't find a phone number. Did I say Grrrr....? :-)

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 22:45:05 GMT

@SmartCookie wrote:

@Anonymous wrote:

That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...

Hmm I have to check but it sounds like Chex Systems... doesn't make sense unless they pulled more than 1 bureau. Yes please let us know what exactly it was, I'm curious.

As far as seeing if you have a split file, just call up the CRAs and have them check and see if there is something to merge. If this is the case, yep you will see all those INQs but it has to be done. Split files are not good. Again, if this is not the case let us know... someone here will help you figure it out.

Ha! "Just call up the CRAs and have them check..." TransUnion is taken care of, but I can't for the life of me find a number that will get me in contact with a human for the other two. I think I hate them. :-)

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 23:07:28 GMT

This is all I have (hopefully) current... I know it's really hard to get thru all of their systems to speak with someone, expecially EX. Try not pressing options, that sometimes helps.

EQ 1-866-238-8067

CSC 1-281-878-1900

TU 1-800-916-8800

EX 1-888 397 3742

Re: I expected INQs that never showed up

Anonymous — Thu, 03 Jan 2008 23:23:00 GMT

Try this database. Some of them work, some don't.

http://gethuman.com/#credit

Re: I expected INQs that never showed up

SmartCookie — Thu, 03 Jan 2008 23:29:43 GMT

netpanther wrote:
Try this database. Some of them work, some don't.

http://gethuman.com/#credit

Nice!

BTW netpanther, you are now Lucy Liu.

Ask jaybee