That stinks. So it looks like I may have some leg work to do on this one. I believe the inquiry is related to a letter I got from them this week about an account that is 10 years plus old that my ex opened with Wachovia Bank and overdrew some funds. They had my old last name on the account too.
I called RJM to inquire about the account and asked if they could provide DV. The guy seemed a bit lost, put me on hold to talk to his supv., came back, put me on hold again, came back. I told him that I believe the account may be fraudulent. I asked for him to provide proof that ties me to the account, signature card, statements, etc. He said his supervisor can only send documentation that they purchased the account and nothing else. They are not reporting on my CR... yet. If they do then I will follow up with a written CMRR DV letter and I guess maybe at that time also address the inquiry? Seems to make more sense to wait and let the inquiry go then to take a chance that they are also going to report this as a collection.
What are your thoughts?
*Bought 1st Home on 7/11/07 thanks to myFICO Forums*
4/2013 - FICO: 685
Payment History: Great
Amt of Debt: Not Good
Length: Good
Amt of New Credit: Good
Goal for 2013: Pay down debt! Cross fingers housing market turns around so I can move further south!
