topic Re: Question in Rebuilding Your Credit

Question

jose06 — Wed, 03 Dec 2008 18:31:22 GMT

It's been a month since a I sent a Non Permissable letter to calavary for the inqury. The inquiry is still on my report what should I do now ?

Re: Question

Anonymous — Wed, 03 Dec 2008 18:39:59 GMT

What do you mean non permissable? Did you have an account assigned to calavary? If so, then the inquiry is legitimate. If you dont have an account with them and they pulled your report in error due to faulty skip trace, you can request them to delete it.

Re: Question

llecs — Wed, 03 Dec 2008 19:28:24 GMT

Chopbrocoli wrote:
What do you mean non permissable? Did you have an account assigned to calavary? If so, then the inquiry is legitimate. If you dont have an account with them and they pulled your report in error due to faulty skip trace, you can request them to delete it.

I'm with you on the CA has PP bandwagon, but many here respectfully disagree.

Re: Question

jose06 — Wed, 03 Dec 2008 19:30:43 GMT

Theres no account on my CR. I called one time and they told it was for an mobile account from 1996. I was came on the forum and was told that I should send a non permissable letter.

Re: Question

Anonymous — Wed, 03 Dec 2008 19:35:10 GMT

what is a non permissable letter? I also have an inquiry that we did not authorize and have never had an account witht that company. So,you send a letter and they should delete? do u have an example letter?

Re: Question

jose06 — Wed, 03 Dec 2008 19:42:02 GMT

I found the letter right here in the forum. I'm confused myself, who can really pull your credit and under what grounds ?

Re: Question

Anonymous — Wed, 03 Dec 2008 19:42:26 GMT

Completely agree, just unfortunatey its written in stone in the FCRA:

Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act (FCRA). [15 U.S.C. § 1681b] In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

3. To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

Re: Question

jose06 — Wed, 03 Dec 2008 19:46:06 GMT

So in other words my letter was a waste of time. And there is nothing I can do to prevent future inquiries.

Re: Question

Anonymous — Wed, 03 Dec 2008 19:46:50 GMT

Although the collection account may not be on file, that wont stop the collection agency to pursue collections. Since the account is old from 1996, the SOL is in your favor. But keep in mind, as long as they own your account, they do have permissable purpose.

Re: Question

jose06 — Wed, 03 Dec 2008 19:52:16 GMT

Wow. I wished I was told that piece of information before. So that would basically explain why I havent gotten any reponse.

Re: Question

Anonymous — Sat, 06 Dec 2008 12:36:20 GMT

jose,

is the inquiry visible to others or not?

an account over 10 years old is no permissible purpose for a credit inquiry visible to others. inquiries visible to others are permissible only for collection of open\active accounts by the original creditor or new credit applications.

did you send a DV letter to this collector? if you didn't you should.

did you complain to the AGs, FTC and BBB for this non-PP inquiry?

after a non-pp letter, i would also send an ITS letter and possibly sue in Small Claim.

I would also send a request for investigation into this inquiry to the CRA - if they do not immediately update the record showing investigation in process you can also complain to the AGs, FTC and BBB for failure to investigate by the CRA.

This years I have filed 4 suits against CAs for non-PP inquiries - some have been settled and i can't get into the details. However, I have no CA inquiries on my current credit reports.

good luck!!

Message Edited by demed on 12-06-2008 04:36 AM