Sign in to follow this  
Doolsey

AR inquiries on my credit report from a company I don't owe

Recommended Posts

A company listed as BP/Citibank SD is regularly ordering AR reports on me. (Those are considered "soft," right?)

I do not have an account with BP or Citibank SD. (I did have an account with Citibank SD till I went Chap 13 in 1995.) And what exactly does the BP mean before Citibank SD (British Petroleum? then which is it?)

What do I do? How do I contact BP/Citibank SD? And hey maybe this is related the the sinister plot against me I mention in my other post "Suing finance company."

Share this post


Link to post
Share on other sites

It sounds like a BP card that is financed through Citibank. If you know that you don't have any accounts with them then you will want to contact the OC and see what the deal is. You can also sue them for misrepresenting themselves by basically saying they have a permissible purpose when they do not. Just make sure that you don't have any accounts with them.

Did you apply for a BP gas card several years ago possibly? Or any other gas card? There have been several recent mergers. You may have had a Texaco (not really Texaco, just an example here) card and if they merged with BP then BP may control all of the accounts and when they pull your report they would have a permissible purpose. For example, I used to have a Wachovia account and First USA purchased some of their portfolio, so the tradeline itself even changed to First USA, as well as any AR inquiries.

Share this post


Link to post
Share on other sites
Guest

If you find that you are not in any of their systems, I would demand that they take you off of their tapes or whatever they say they use.

Send them an intent to sue letter and then follow through. They have no right what so ever to look at your credit like they are. Stick it to them

Share this post


Link to post
Share on other sites

If you do not wnat companies looking into your CR's, send each bureau a letter to opt out.

Share this post


Link to post
Share on other sites

Opt-Out: 1-888-567-8688

Mail Preference Service

Direct Marketing Association

Removal – Mailing Lists

PO Box 9008

Farmingdale NY 11735

Telephone Preference Service

Direct Marketing Association

Removal – Telemarketing Lists

PO Box 9014

Farmingdale NY 11735

Even if you exercise all of these options for opting-out, you may continue to receive solicitations from local merchants, religious and charitable associations, professional and alumni associations, politicians and companies with whom you conduct business. To eliminate mail from these groups- as well as mail addressed to “occupant” or “resident” – write directly to each source.

To explain better about opt-out: All three credit reporting agencies on a regular basis will sale mailing lists to creditors for the purpose of soliciting various products (this is how you get the pre-screened credit card offers in the mail). This is not good if you happen to move around and will result in id theft on occasion. When moving people will put in request at post office for change of address; but this forwarding, will only last one year. If there are creditors out there they mail circulation after this point – you will not know about it until to late.

Recommend that should you plan to move, at least six months prior establish a PO Box with the local post office. Forward all mail to the post office address, then wait and see which creditors slip by sending directly to the physical address. Write these creditors with the correct address. This will help catch some of them out there, and opting out hopefully will catch the rest of them.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
Sign in to follow this