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Mista Money
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Subject: eyes were bigger than my budget
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Mon Jun 15, 2009 5:42 am
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While attending college I was easily entised by the booths that appeared on campus every other week.They offered cool gifts and promised that I qualified for credit and gas cards.Long story short
before long I became overwhelmed with monthly fees.I simply lost track of few.My question is how many points did I lose on the average per card which went into collections.I also had my wallet taken containing my I.D and ssi card.Imanaged to pay off most accounts.but at least three accounts on my report I know I never applied for .how do i handle this issue. |
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Lost
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Subject: RELS CREDIT w/ Wells Fargo
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Sun Jun 21, 2009 7:49 am
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| It seems that RELS CREDIT works with Wells Fargo, I'm currently missing a mortgage payment with Wells Fargo--I see Wells Fargo reported the late payment status on my credit report, but I also see that there's a credit inquiry made by RELS CREDIT against my credit file. Can I get the inquiry by RELS CREDIT removed? I mean Wells Fargo has reported a late status against my credit, having this inquiry against my credit is a double hitter against my score. |
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eddie
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Fri Aug 14, 2009 6:24 am
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| i see companys offering they can give you good trade lines on ur credit to boost up your score is this true and has ne one messed with this before |
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Michael Lach
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Subject: Removing inquiries off credit report
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Sun Sep 20, 2009 4:36 pm
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| I have found that the companies doing the hard inquiries like to confirm it without the paperwork. It can take months going back and forth with no results. I personally used RemoveMyCreditInquiries.ORG after seeing it on fatwallet.com. They only charges me $15/an item. It worked after 45 days. |
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paula
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Subject: how do i get the addresses
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Tue Nov 10, 2009 3:13 pm
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| CBE Group AFNI AAMS i would like to get this taken care of |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Tue Nov 10, 2009 4:15 pm
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Hi Paula,
I search this and came up with two address they are a collection agency's.
AAMS
4800 Mills Civie Parkway #202
West Des Moines IA. 50265
CBE
431 Tower Park Drive STE
100 Waterloo IA 50701
(319)234-6686
Hope this help |
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Frank Avila
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Subject: Credit Inquiries
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Sun Dec 13, 2009 11:29 pm
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My Question is .
I have One ( CHASE-CHA ) That keep running and Inquire every 3 or so Months.
I have a Total of 4 Inquiries from this. What too do?
"favila69@hotmail.com" |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Mon Dec 14, 2009 12:29 am
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| Is it a soft inquiry or they checking to see if they can offer to extend credit to you? If so this type of inquiry doesn't affect your score. Or do you already have an account with them? |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Mon Dec 14, 2009 1:31 am
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| I know 'Hard Inquiries': Lenders checking for loans, Credit Unions, etc. I AM a bit confused on 'Soft Inquiries', though. I know if we check our OWN credit, it doesn't lower our score at all. |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Mon Dec 14, 2009 3:12 am
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| Those are inquiries of a company that is looking to see if you may qualify for what ever it is they are offering. Usually a credit card like the offers you get in the mail. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Mon Dec 14, 2009 8:17 am
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| But a 'Soft Inquiry' is..what? Someone told me it's when CA's report to your credit. Can someone please 'clarify' this? Thanks. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Mon Dec 14, 2009 9:56 am
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A soft inquiry is one where either an existing creditor reviews your report or a prospective creditor pulls your report to look if you can be offered any of their products. The times when you yourself pull out your report, this also turns out as a soft inquiry. Your exiting creditors or prospective creditors cannot see the soft inquiries. All they can see is your score and the hard inquiries you may have in your report.
_________________
Keep in touch
Carol |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Tue Dec 15, 2009 3:06 am
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Ok..I see. Makes sense. Thanks for the clarification. I didn't know it's a 'Soft Inquiry' if we check our OWN credit. It's the 'Hard'
Inquiries' that bring our score down? |
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John2010
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Subject: Unauthorized credit check without a soc. given.
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Wed Dec 30, 2009 4:49 pm
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| I called AT&T, and ordered a home phone line. They told me if I pay $50 deposit they will not do a credit check. I paid. They put me on hold, used my service info. from 5 years ago, and did a HARD credit check on me without my authorization. I asked them not to do it, and they told me that they did not do it at the end the -same- call. BBB filing didn't work, they are not removing it. They have no proof of authorization, as a matter of fact I have proof (paying $50) that I opt out from a check. I never gave them a soc. either. I will file at the small claims court to get it removed. I am in West Palm Beach. Will I win? Any suggestions? Thank you. |
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ccwrl
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Subject: credit inquiry
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Wed Dec 30, 2009 7:22 pm
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Who is IR Anaheim and how do I contact them? I've googled the name but the only hit was to this site. We are in the process of buying a home and our lender is asking why an inquiry from back in October by I R Anaheim is showing up on our credit report. Neither my husband nor I have applied for ANY lines of credit since spring of last year and we haven't incurred any debt or been delinquent on any payments to anyone in ages. Need help resolving this QUICKLY as it may adversely affect our closing on the house!
Thanks! |
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