@Anonymous wrote:
That's what I meant.. but do you mean that disputing through the CRA so they can be correctly coded is not the right course of action? Why would this have a negative effect, if they are being incorrectly reported?
Particularly damaging if you have a TL with the INQ that you are disputing. The TL could go bye-bye. Call the PP and have them recode (after all, they are the ones that coded incorrectly from the beginning).
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@Anonymous wrote:
I'm concerned about this because when you use the myFICO dispute system, it allows you to dispute inquiries for something along the lines of "merchant pulled my credit report to pre-approve me for a large purchase..." and the example the myFICO offers of when you would use this as a valid dispute is "for example, a car dealership runs your credit to approve you for an auto purchase while you are out test-driving" .. that is not verbatim, but close.
That's why we disputed them..
Did it work out for you or are you still in dispute? I have found that most of the time those just come back as verified. But, by sending the dealership the letter (which threatens them), they tend to fall in line a little quicker.
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Non-PP Puller Company
Address
City State Zip Code
To Whom It May Concern:
I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.
[Describe any additional details about the inquiry here if need be. For example, you’re a subscriber to XXXX monitoring service and XXXX company pulled a "hard inquiry" on one of your reports.]
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"
You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
Sincerely,
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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Address
City State Zip Code
To Whom It May Concern:
I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.
[Describe any additional details about the inquiry here if need be. For example, you’re a subscriber to XXXX monitoring service and XXXX company pulled a "hard inquiry" on one of your reports.]
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"
You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
Sincerely,
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge