Inquiries

[Anonymous]

Tuscani,

Do the inquiries (hard pulls) from collection agencies that have your account considered permissible? I have quiet a few of those in the past two years.

[Tuscani]

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Irvin wrote:

Tuscani,

Do the inquiries (hard pulls) from collection agencies that have your account considered permissible? I have quiet a few of those in the past two years.

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Afraid so.

[MidnightVoice]

Ouch.  That is not nice 

[Anonymous]

That's evil.

[Anonymous]

Tuscani (or anyone else that knows)

I just found out my tax preparer is a crook!  The FBI arrested him this past weekend.  Luckily, he didn't steal any money from me like he did other clients.  Unfortunately, he filed my taxes electronically and did so through HSBC as a RAL.  Of course, this means there is an inquiry on my credit report now. 

To be perfectly clear... I did NOT authorize the preparer to file my tax returns on paper or electronically.  I had specifically instructed him to give me the paper copies.  Therefore, I aso did not authorize him to apply for a RAL.  I did not sign anything either.

Since the RAL was acquired through fraud... does HSBC have to take the inquiry off my report?

Sounds outrageous... but this guy did some crazy things this tax season.  He actually falsified my fiance's tax return to have the return direct deposited into his personal account instead of my fiance's bank account!!!

Thanks!

HJ

[Tuscani]

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heatherjo811 wrote:

Tuscani (or anyone else that knows)

I just found out my tax preparer is a crook!  The FBI arrested him this past weekend.  Luckily, he didn't steal any money from me like he did other clients.  Unfortunately, he filed my taxes electronically and did so through HSBC as a RAL.  Of course, this means there is an inquiry on my credit report now. 

To be perfectly clear... I did NOT authorize the preparer to file my tax returns on paper or electronically.  I had specifically instructed him to give me the paper copies.  Therefore, I aso did not authorize him to apply for a RAL.  I did not sign anything either.

Since the RAL was acquired through fraud... does HSBC have to take the inquiry off my report?

Sounds outrageous... but this guy did some crazy things this tax season.  He actually falsified my fiance's tax return to have the return direct deposited into his personal account instead of my fiance's bank account!!!

Thanks!

HJ

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Sounds like a great guy... I am not sure HSBC would have to delete the Inq, but I would certain explain the situation and politely ask them to.

[Anonymous]

Sue him- Get a police report, send to HSBC w/ letter. Better yet- goto the recorders office and place a quick claim deed on his home.

Message Edited by Timothy on 05-23-2007 06:41 AM

[fused]

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Irvin wrote:

Tuscani,

Do the inquiries (hard pulls) from collection agencies that have your account considered permissible? I have quiet a few of those in the past two years.

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Let me preface this post before I offer advice.  I have never tried this but it could be helpful!

You might want to look into placing a freeze on your reports.  That way no one should be able to view your reports and possibly place an inq from some dirty CA.  Some states allow you to do this rather you have been a victim of IT, some do not.  In some states, like Hawaii where I live, you have be a victim first, then you can chose to place a freeze.  Try and look into this and let us know.  Just a thought no guarantee!

[Anonymous]

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Timothy wrote:
Sue him- Get a police report, send to HSBC w/ letter. Better yet- goto the recorders office and place a quick claim deed on his home.

Message Edited by Timothy on 05-23-2007 06:41 AM

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HeatherJo - You should get in touch w/the IRS if you haven't already done so.  If he screwed up the return, you may owe tax, and you don't want to get hit with late fees or penalties.

Timothy - Not quite sure what you're suggesting here.  A quit claim deed is used when you give up any title you may have to property.  As far as we know, she doesn't own her tax preparer's house, and if she did, she wouldn't be handing it back to him on a platter.

[fused]

Well, as the old saying goes, "I RIP, YOU SCHMELL."