Collection Account

[Anonymous]

I have probably asked this before but I have a collection account and it seems as though this CA, AFNI Bloom is pulling my credit every week, sometimes 2 or 3 times.  I know this because I am getting alerts from TC and Scorewatch.  Is this affecting me?

Thanks

Eve

[Anonymous]

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myhearts07 wrote:

I have probably asked this before but I have a collection account and it seems as though this CA, AFNI Bloom is pulling my credit every week, sometimes 2 or 3 times.  I know this because I am getting alerts from TC and Scorewatch.  Is this affecting me?

Thanks

Eve

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You vare getting alerts for hard inquiries, every two or three weeks?  I would contact them first and have them remove these inquiries cause yes they do hurt.  I would given then a set amount of time to remove them and stop pulling and make them aware that you know they cannot arbitrarily pulled your file without a request for new credit from you.  I would dispute with the credit bureaus that I have not applied for new credit with them.  Lastly, I would report to the FTC that a company is accessing your credit file under the guise of applying for new credit and you have made no such application.

[SmartCookie]

Sounds like it's just soft pulls but I'm not sure who can see them.  Scorewatch has no change right?

[Anonymous]

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SmartCookie wrote:

Sounds like it's just soft pulls but I'm not sure who can see them.  Scorewatch has no change right?

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No monitoring service send out alerts for soft pulls!!  These are hard

[Anonymous]

Thanks, I will dispute it because it is excessive and they don't have my permission and the inquiry says that it is a new account. TC has so many inquiries on it from them for EQ and TU not EX.  I would pay them to get them off my back, but it would not benefit me at all and they have already pulled so many times that it is affecting me.  They suck.  Tried to goodwill them, no answer, tried to pfd, no answer just verified the account.

Eve

[SmartCookie]

Hmm I thought Scorewatch sent alerts for soft unless possibly promo inq softs... interesting.  Wonder why it has not affected her score apparently though in the case of hard pulls.

[Anonymous]

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SmartCookie wrote:

Hmm I thought Scorewatch sent alerts for soft unless possibly promo inq softs... interesting.  Wonder why it has not affected her score apparently though in the case of hard pulls.

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Usually the effect of inqs varies depending on yourcredit file.  Once you reach the 'too many inquiries' benchmark, there is little or not effect on score.  That being said.  If the OP were to apply for new credit, these multiple inquiries will make it look as if they havebeen applying all over town for loans or whatever, one of the most common reason for denial. In addition the score will have an even harder time recovering as the inq will not ae off just keep being added to the fle if not stopped now.

I wish the scoring system sent alerts for soft inq.  I would love to know when my creditors were watching me without having to pay for it.

Message Edited by Brammy on 09-25-2007 06:44 PM

[Anonymous]

They are breaking the law, report them immediatly!

[Anonymous]

Yes what Brammy says   send letter CMRRR  tell them that they have 5 days to remove the ings. ( I have no idea how many days they need but that it what I would give them) complain www.ftc.gov

[Anonymous]

Thanks all,  I will send the letter tomorrow and I am only giving them 5 days before I file the complaint with the FTC.

Eve