Timothy wrote:They still do not have PP- sue em
What about soft inquiries from companies other than CA's? Would you feel the same? In reviewing the CRs, I have a dozen plus from insurance companies, CCCs, and investment companies. I haven't done business with these companies (nor plan to). In your opinion, do these companies have PP? I didn't initiate a credit transaction with them.
IMO, I still think CAs have PP. Not gonna debate now, but I also think it is also an invasion of privacy when CAs pull the CR. I think they shouldn't be allowed to have PP. Not only that, I think companies like Applied Bank, Tribute and Rust Consulting, to name a couple recent pulls, should not be allowed to pull any inquiry unless that have my written permission first. I know there is also a credit freeze available, but they need to conform to me, not me to them.
I also think the FCRA and FDCPA needs to be changed to clearly state that "CAs do not have permissible purpose". For every case like Pintos, there's another one to counter. For every section of the FCRA that vaguely mentions CA's don't have PP, there two more that say they do. And as ID theft becomes more and more common, changes need to be made. FACTA ain't cutting the mustard.
There, I ranted too much.