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HomeCredit ForumCredit repair

Inquiry to Equifax about my credit rating.

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segkjg



Joined: 25 Jul 2008
segkjg's page
Posts: 1



25 Magic Points
Subject: Inquiry to Equifax about my credit rating.
 
 Posted on Fri Jul 25, 2008 9:29 pm  
Why did Fia Csna inquire to Equifax about my credit rating?
Steve Griffiths
BRADENTON FL
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Fri Jul 25, 2008 9:53 pm  
possibly to offer you credit or to collect on an old debt that you may owe.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 378



4034 Magic Points
 
 Posted on Sat Jul 26, 2008 1:23 am  
was it a hard inquiry? If so they can only look into your credit if you gave them permission or if they have an account with you. You can send them a letter asking for proof of permission to inquire. If it was a soft inquiry GN is correct.
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Justin

Justin

Joined: 17 Jul 2006
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Posts: 412



10749 Magic Points
 
 Posted on Wed Jul 30, 2008 10:19 am  
Hi segkjg
If you have applied for a new credit card or any other line of credit from fia csna, they will pull your credit report from the credit bureaus to check your potentiality as a borrower. This is known as hard inquiry and stays in your credit report for two years. As CMBV said, you can send them letter asking them to prove that they had your permission to inquire. If they don't ask them to delete it from your credit report.
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Justin
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 322



8655 Magic Points
 
 Posted on Wed Jul 30, 2008 10:57 am  
Yes, Justin is right. Each hard inquiry in your credit report lowers your credit score by about 5 points. So whenever you find a hard inquiry in your credit report which has not been authorized by you, send letters to the inquirer asking them to verify your authorization or remove it from the credit report. In most cases the inquirers remove the listing from your credit report. However, if the inquiry is authorized by you, the inquirers may not remove it from your credit report.
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