hpric Posted October 2, 2003 Report Share Posted October 2, 2003 I have Citibank on seven non pp pulls (x $1,000.00 each) and they are asking me to fax them a copy of my credit file showing these inquiries. These inquiries are listed as AR's but my account with them was closed over two years ago and the inquiries are from 2002 - 2003. I Already gave them a chance to remove them and they said no. Sent ITS and now their paralegal is requesting my help so they can do their research. Should I fax them a copy and then let them offer a settlement or should I just file my paperwork like I said I would ? Any insight or advise is greatly appriciated ? Link to comment Share on other sites More sharing options...
edubb007 Posted October 2, 2003 Report Share Posted October 2, 2003 NAH! A AR is promotion/Automatic review andnot a hard inq. A creditor will not see these. It's like you pulling your own credit. It's fine! Link to comment Share on other sites More sharing options...
hpric Posted October 2, 2003 Author Report Share Posted October 2, 2003 its still a non PP pull and subject to the same guidlines as a regular hard. If an account is closed they have no PP, I've already checked with the FTC. My question is if I should show them their violations in hopes of a settlement or just take them to court Link to comment Share on other sites More sharing options...
creditmess Posted October 2, 2003 Report Share Posted October 2, 2003 this is not hard inq....AR is ok... it's soft inq.. creditors don't see it... you can't really sue for that.... Link to comment Share on other sites More sharing options...
hpric Posted October 2, 2003 Author Report Share Posted October 2, 2003 I've been told by several others that an Account Review Inquiry where there is no account to review is still a vilolation Link to comment Share on other sites More sharing options...
Guest Posted October 3, 2003 Report Share Posted October 3, 2003 Anyone who pulls your credit without your permission or you do not have an account with has NO RIGHT to your credit history.Let them do their own work and tell them they will see your evidence in court.Also make sure you inform the judge ((if you have to)) that ANY pull of your credit is subject to Federal law.. not just those that "Count" Link to comment Share on other sites More sharing options...
kb9tbq Posted October 3, 2003 Report Share Posted October 3, 2003 Have you opted out from the CRAs being able to sell your name & address for solicitation purposes?!?!?That might just be the source / or reason for them having accessed your credit report... because they where soliciting you for new accounts.... do you recall recieving any advertisements in the mail in the last few years?You need to opt-out with the CRAs to insure that no one pulls your credit report when you don't want them to. You can click on search above to locate past information posted on opting out. Be sure to take care of this part as well as opting out with Direct Marketing / another company out there responsible for selling mailing lists. Link to comment Share on other sites More sharing options...
LadynRed Posted October 3, 2003 Report Share Posted October 3, 2003 Do you owe any money on this closed account ?? You can close the account, but if you still owe them money, then you have an on-going 'business relationship' with them and they are then within their rights to do an AR pull of your CR WITH PP. If you owe them nothing and the account is closed, then they do NOT have ANY PP unless they intend to extend you some credit. Link to comment Share on other sites More sharing options...
nativechild48 Posted October 3, 2003 Report Share Posted October 3, 2003 Lady is right, if the acct. has been closed and paid, they might want to offer you credit, BUT they can't do a "hard Inquiry" without permission of the person they are inquiring about Are these hard or soft inquiries Link to comment Share on other sites More sharing options...
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