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Another unauthorized inquiry

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illcrew3
Regular Contributor

Another unauthorized inquiry

I check my credit report and see this:
 

HSBC RETAIL SERVICES
PO BOX 800410
SALINAS, CA 93971
(408) 754-1400

8/20/2007

The phone number does not work. What do I do next to get this non-PP inquiry removed?

Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: Another unauthorized inquiry

Where did you see the inq? And on What report... On line or on paper?
 
Rob
Message 2 of 14
Anonymous
Not applicable

Re: Another unauthorized inquiry



illcrew3 wrote:
I check my credit report and see this:
 

HSBC RETAIL SERVICES
PO BOX 800410
SALINAS, CA 93971
(408) 754-1400

8/20/2007

The phone number does not work. What do I do next to get this non-PP inquiry removed?



HSBC is the administrator for MULTIPLE CCCs. Are you sure it wasn't from something you applied for?
 
ROb
Message 3 of 14
illcrew3
Regular Contributor

Re: Another unauthorized inquiry

It was on my equifax report online. I have not applied for any credit all year.
Message 4 of 14
Anonymous
Not applicable

Re: Another unauthorized inquiry



illcrew3 wrote:
It was on my equifax report online. I have not applied for any credit all year.


EQ reports on line show HARD and SOFT Pulls...
 
Soft pulls are not un-authorized. You have to opt-out of future credit offers to stop soft inq's.
 
These are not hurting your score if the are soft.
 
If they are hard pulls, then it is easy enough to dispute them into oblivion. But my guess is that they are in the "Soft inquiries not effecting your credit" section of your EQ online report.
 
Rob
Message 5 of 14
illcrew3
Regular Contributor

Re: Another unauthorized inquiry

My EQ lists hard and softs separate.
 
 
 
Inquiries Show All Details  

Inquiries that display to companies and may impact your credit score.
This section lists companies that requested your credit file. Credit grantors may view these requests when evaluating your credit worthiness.

Name of Company Date of Inquiry COMPUTERTRAINING.COM, INC.
Show Details12/12/2006 GEMB
Show Details11/21/2006 GEMB/PAY PAL
Show Details11/08/2006 HSBC BEST BUY
Show Details08/20/2007 HSBC RETAIL SERVICES
Show Details10/07/2006

Inquiries that do not display to companies and do not impact your credit score.
This section includes inquiries which display only to you and are not considered when evaluating your credit worthiness. Examples of this inquiry type include a pre-approved offer of credit, insurance, or periodic account review by an existing creditor.

Company Information Date of Inquiry PRM-CAPITAL ONE  10/11/2006, 09/08/2006 CIC/EXPERIAN ALRTS   04/24/2007, 12/14/2006 CIC/EXPERIAN ALRTS  09/02/2006 Q-SPACE  08/08/2007, 07/08/2007, 06/04/2007, 05/01/2007, 03/31/2007, 02/28/2007, 01/20/2007, 12/21/2006, 11/15/2006, 10/07/2006, 09/01/2006 PRM-CITI CARDS CBSD   12/01/2006, 11/03/2006 EQUIFAX INFO SVCS.  01/05/2007, 12/09/2006 EQUIFAX INFO SVCS.  01/02/2007, 12/29/2006, 10/25/2006 EQUIFAX INFO SVCS.  07/20/2007, 06/19/2007, 03/07/2007, 01/12/2007, 01/04/2007, 01/03/2007, 12/12/2006, 10/28/2006 ND-Equifax Consumer Services  05/08/2007, 12/09/2006 FAIR ISAAC   08/13/2007 FAIR ISAAC   08/13/2007 ND-FAIR ISAAC   08/13/2007 PRM-FINGERHUT/CIT   03/21/2007 AR-GEMB/PAYPAL  07/20/2007, 06/15/2007, 05/18/2007, 04/20/2007, 03/16/2007, 02/16/2007, 02/14/2007, 01/17/2007, 01/13/2007, 12/07/2006, 11/15/2006 PRM-HOUSEHOLD BANK   11/09/2006, 10/05/2006 AR-HOUSEHOLD BANK   08/10/2007, 06/09/2007, 05/11/2007, 04/13/2007, 03/09/2007, 02/09/2007, 01/12/2007, 12/10/2006, 11/10/2006, 10/13/2006 AR-HOUSEHOLD BANK   08/01/2007, 07/04/2007, 05/30/2007, 05/02/2007, 04/04/2007, 02/28/2007, 02/07/2007, 01/31/2007, 12/27/2006, 11/29/2006, 11/01/2006 I PLACE, INC,   09/01/2006 PRM-THE HOME DEPOT/CITI SD   12/01/2006


Message Edited by illcrew3 on 08-24-2007 11:18 AM
Message 6 of 14
cgmiller63
Contributor

Re: Another unauthorized inquiry

I would dispute the inquiry with the CRA as a non-authorized inquiry.
Message 7 of 14
Anonymous
Not applicable

Re: Another unauthorized inquiry

Do you have a best buy card?
 
Rob
Message 8 of 14
Anonymous
Not applicable

Re: Another unauthorized inquiry

I would also further investigate. I would press EQ to give you further info about the inq to contact the lender. I would want to know if it was a simple mistake or if someone used your social. I have had both simple mistakes and fraud happen. Sometimes I get answers, other none. But you should try.
Message 9 of 14
Anonymous
Not applicable

Re: Another unauthorized inquiry

Do you have the Best Buy store card and did you recently request a CLI?
Message 10 of 14
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