Mrs. BPO

[Yoli14]

Hello board-

This company requested a credit history but I don't rememeber authorzing. Should I report it? It is schedule to end Jul 2012

Thanks!

[p-]

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@Yoli14 wrote:

Hello board-

This company requested a credit history but I don't rememeber authorzing. Should I report it? It is schedule to end Jul 2012

Thanks!

---

If someone hit you with an unauthorized hard inquiry, and you did not apply for credit with them you can dispute it.  However, it doesn't affect your score after a year, so it's not that big of a deal.

But Google says MRS BPO is a collection agency.  Do you have a collection account for MRS on your report?

[Yoli14]

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@p- wrote:

---

@Yoli14 wrote:

Hello board-

This company requested a credit history but I don't rememeber authorzing. Should I report it? It is schedule to end Jul 2012

Thanks!

---

If someone hit you with an unauthorized hard inquiry, and you did not apply for credit with them you can dispute it.  However, it doesn't affect your score after a year, so it's not that big of a deal.

But Google says MRS BPO is a collection agency.  Do you have a collection account for MRS on your report?

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I don't

[llecs]

There's debate here, but the FCRA allows for CAs to pull your report. If it's over a year old, as mentioned, then there's no FICO impact and I don't think lenders would care, in general. I personally would be concerned if the CA still owned it. If disputed, the CA would know.