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First off, Is Lending Tree a reputable company? Thanks for any answer. Another question... I obtained via online a copy of my TU credit report and noted there are 3 sections for inquiries. I will also show what is on my report for clarity:. |
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Yes sir! however you might want to make sure and wait for another member to confirm it as I am not quite sure. Better yet, why don't you ask the Lending Tree guys because they can give you help better...
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Ask what credit card or Lending Tree loan you get with the 3 inquires....
...or ask what is the "PP".... ...and then tell them you will offer them a 50% discount of $500 instead of the $1,000 you will get from SMALL CLAIMS COURT...(if they pay you the $500 before 03/31/2003).. |
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Yes, I can try this tactic, but again I do not want to reveal my address to them since they probably do not have my current residence on their record. My TU record does show my current address, so my guess is creditors do not have access to demographic info? It seems like I would have a difficult time threatening small claims without revealing my current address..
Deadbeavis.. |
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If they pulled a hard, they got your full report including your full address...
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Ok then maybe I am just dumb and blind, but can someone please advise if TU has three sections.
Regular Inquiry Section. Promotional Inquiry Section. Account Inquiry Section (supposedly these can only be viewed by me). Then which of these is considered a 'hard' inquiry and which is a 'soft' inquiry by definition, or more plainly, which will affect scoring?.. |
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On the report I get directly from TU:.
The following companies have received your credit report blah blah HARDS. The companies listed below received your name, address, and other limited info PROMO = soft. The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction SOFT. Only Hards affect your score... |
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Ok, if there are 3 consecutive entries from the same CA, and, in addition, a collection record from them, does the collection record constitute pp to access my CR? The dates are as follows:.
Collection activity first posted 3/02. Hard Inquiry posted 4/1/02. Hard Inquiry posted 4/12/02. Hard Inquiry posted 4/15/02. Sorry for being so illiterate, but I just want to make sure I formulate a cert letter to them properly without shooting myself in the foot (or in the pocket).. Deadbeavis.. |
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Yes.
(3) To a person which it has reason to believe. (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or [b]collection of an account of{/B], the consumer; or.. |
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Three times in two weeks is excessive in my book, when it could easily have been coded AR (soft), but I don't know what kind of recourse you have..
Sorry... |
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Yea, that's kinda what I figured. I may consider a pp type of letter to the CA and see where that goes in order to get this removed. I'm considering emailing the FTC to see if I can get further clarification on the FCRA and find out if there is a violation in this case. I have contacted them in the past about subjects unrelated to the above and they have been suprisingly responsive. Don't know if anyone else has attempted to contact with this type of question..
Thanks for the info... |
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Whenever this has heppened to me I've called the CRA and they deleted the duplicates right away..
Don't really need to get the CA involved unless they keep doing it... |
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Get a post office box. that way you can serve them but they can't serve you ;).
If they want to sue you, they'll just serve your last known address and hope you don't show so they can get a default judgement.. You could always sent a validation letter to them using the po box... As an aside, if they don't have a correct mailing address for you how could they have sent you the first notice (with the 30 days notice before putting it on your reports anyway)... they may also have sent this to your lka.. |
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The CA is in California, the OC is in NJ, and I am in NJ, I would be surprised if they bring this to court, the money involved may not be significant enough..
I have dealt with default judgements before, whereas they are usually vacated 99.9% of the time with semi-reasonable cause (innocent before proven guilty :)?). THat would mean I would have to show up to court to have it vacated, but so would they if they want to object.. If a collection notice was sent to a lka, it should have appeared at my door from mail forward, but did not. Do they have to lawfully send me a letter giving me 30 days notice before placing on my report? Perhaps I can send a validation letter to the CA based on failure to notify to allow dispute of the debt... |
