ADSOFT Posted April 6, 2003 Report Share Posted April 6, 2003 WHAT IS MY RECOURSE WHEN A CREDITOR RUNS MY CREDIT REPORT WITHOUT MY AUTHORIZATION? I WANT TO DISPUTE SOME INQUIRIES BECAUSE IT AFFECTS MY SCORE AND OF COURSE IT LOOKS BAD.ALSO, I HEARD THAT IS IS AGAINST THE LAW TO DISCOURAGE SOMEONE FROM APLLING FOR A LOAN. I HAVE THE FOLLOWING INTERESTING CASE: I WANTED TO PERSONALLY DRIVE DOWN TO A CREDIT AGENCY AND APPLY FOR A SECURED CREDIT CARD TO BUILD UP MY CREDIT. I TOLD THE MANAGER THAT I WAS CONCERNED ABOUT SOME ITEMS AND WOULD LIKE HER TO VIEW A COPY OF MY 3 BUREAU'S REPORT AND SEE IF THERE WAS ANYTHING THAT WOULD HINDER ME FROM BEING ACCEPTED. ...NOW... SHE SAID WELL I WOULD LIKE TO SAVE YOU A TRIP AND I CAN PULL YOUR REPORT NOW. NOW I FEEL SHE DISCOURGED ME OF FILLING OUT AN APPLICATION? I FEEL I WAS MISLED AND GOT DINGED FOR ANOTHER REPORT!!! THEY LATER RAN A SECOND REPORT. NOW THE 1ST REPORT MIGHT BE LEGAL. BUT, WHAT ABOUT THE SECOND? Link to comment Share on other sites More sharing options...
morrow Posted April 7, 2003 Report Share Posted April 7, 2003 <blockquote>Originally posted by ADSOFTWHAT IS MY RECOURSE WHEN A CREDITOR RUNS MY CREDIT REPORT WITHOUT MY AUTHORIZATION? I WANT TO DISPUTE SOME INQUIRIES BECAUSE IT AFFECTS MY SCORE AND OF COURSE IT LOOKS BAD.</blockquote>Start here...http://www.creditinfocenter.com/forms/sampleletter4.shtml Link to comment Share on other sites More sharing options...
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