If I send a PFD request to a CA and it is denied, could it cause the CA to report to ALL credit bureaus instead of just the two they had been reporting to? Also, could it instigate a lawsuit? Please advise.
Also, it depends on the which reporting agencies they report to.
There is an excellent thread on this fourm called Credit 101 that has a lot of good information about credit. When you have a chance you many want to read it.
I purchased my report a couple weeks ago and it was reported as being opened and KD in 2004 but when I purchased my report a few days ago, I saw they recently deleted the 2004 reporting and just put KD July 2007.