SurveyTech Posted August 22, 2004 Report Share Posted August 22, 2004 Forum,I have begun disputing inquiries on my credit report that I do not recognize. I have started getting letters back stating that they need a copy of the credit report in order for them to proceed further (along with my SSN). One (Providian) goes as far to say that the credit report must not be older than 30 days. I do not feel too comfortable sending my credit report out to companies who never should have seen it in the first place.One letter stated that the inquiry was authorized by my wife over the telephone. After speaking with her, she does not recall doing so. She does recall talking to the company just not authorizing a pull of my report. It doesn’t seem right that someone else can have my report pulled. The only time she has done this was for a Sears card through an online application but thats an entirely different company. How do online applications compare the written permission?Thank you for responses.John Link to comment Share on other sites More sharing options...
CRDTNogood Posted August 22, 2004 Report Share Posted August 22, 2004 Did Providian pull a NON-PP on you? If they did, PM me. I'm getting ready to file a suit against them for that very thing, and I'm in the process of seeing if I can get more people for a possible Class Action. PM soon, and we'll discuss further. Link to comment Share on other sites More sharing options...
lucyricardo Posted August 22, 2004 Report Share Posted August 22, 2004 I disputed 8 inquiries about 12 days ago (all from 2 Collection Agencies who keep pulling but never post anything on my Experian report) and they are "under investigation" now. I just called Experian, I didn't send any letters out. Read this link below, it's where I got my info from and it helped alot. If you call the CRA's and dispute, they won't know that you've already sent letters out to the CA's. Good luck!http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=10893 Link to comment Share on other sites More sharing options...
SurveyTech Posted August 22, 2004 Author Report Share Posted August 22, 2004 CRDTNogood,Forgive me but I am not familiar with the term NON-PP. What I can tell you is that when I received my credit reports they had an hard inquiry that I do not recall authorizing.Can my wife authorize a company to have my credit pulled while speaking with them on the phone? That just doens't seem right. Maybe her own credit report but not mine.Sorry I could not be of more help.Jlg Link to comment Share on other sites More sharing options...
CRDTNogood Posted August 23, 2004 Report Share Posted August 23, 2004 Non - pp is non permissible purpose. It is when they pull your credit, hard or soft inquiry and they didn't have a permissible purpose to do so. I'm not sure if your wife can authorize that, I don't believe so, at least in California.I would send a Non-pp letter to them. you'll get a standard unsigned form letter back from them, and it will refer you back to the CRA's. The CRA's will tell you to contact Providian. You write providian a second time with a copy of your first letter, and their response. They will send you an exact duplicate of the first letter they sent you unsigned, refering you back to the CRA's.The cycle doesn't stop unless you file a lawsuit. Where are you located? Link to comment Share on other sites More sharing options...
SurveyTech Posted August 23, 2004 Author Report Share Posted August 23, 2004 CRDTNogood,Of course, after I posted my reply I realized what Non-PP meant. I am located in Oregon. Today I sent out the information that Providian asked for however I blocked out everything that was not realtive to them with a big fat Sharpie marker.Thanks again for the replies.Jlg Link to comment Share on other sites More sharing options...
Recommended Posts