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Hey everyone!!! Been a board lurker for YEARRRRSSSSS finally decided to join. BTW thanks for getting me from low 500's at one time to mid 700's all you posts, sample letters, really helped me out!!.... until I screwed up again now back to the 500's (all my fault no one to blame) but steadily moving back up!!. So I just started with Experian inquiries.... always been easy to dispute and almost always 100% success rate with just a call and dispute to the CB. THIS TIME..... Exp seems to not be deleting them anymore, not even investigating, just moved em all to the "Soft" section?? Anyone
Hi, I recently applied for credit and was surprised I was turned down when the bank pulled the bureau I thought I had a very strong credit rating with. The reason was too many inquiries. I reviewed my report, and sure enough, there were about 16 inquiries. However, most of them come from current creditors, or banks / credit unions where I have business and personal checking and savings accounts. I was surprised to see most of these as hard inquiries, negatively affecting my credit. When I opened the checking and savings, I was advised they would all be "soft pulls" by each credit union. T
I have read so many different rules about collection agencies and junk debt buyers and their ability to report on your credit report. Ive compiled some questions below specific to my situation. If anyone can give me some insight, it would be helpful. Questions Regarding Debt Collection Accounts (Not w/ original creditors, sold to 3rd parties after charge offs) 1.) Are debt collectors allowed to make repeated hard inquiries to one's credit report? 2.) If a debt collector assigns an attorney to your account, can the attorney make repeated hard inquiries to your account? I've had a "frederic