Starting a credit repair service/company

[Trish]

Good question. I haven't had that happen.....so I'm really not sure. You would think if they won't respond to you that they won't respond to the CRA either.

I do know that if they did not have PP, you could then file suit or at least threaten it since that is a blatant violation.

[jackp]

great, good to know.
Another question. WHAT exactly is a PP? When I m not granted a credit , but did really apply, would that mean there was no PP. Other words Can all Inquiries be removed when there is no account ssociated with them.?

[danelleo]

If I understand correctly, any time you put your ss# in to apply for a cc, insurance or anything else, that gives that company pp, therefore you cannot ask for it to be deleted.

[Trish]

Yes, anytime you apply for ANYTHING where they have to pull your credit, you are authorizing them and giving them permissible purpose.
Also, anytime a CA buys or is assigned a debt they automatically have PP and can pull your CR.

One thing that really pisses me off that we can't do much about are acct reviews by current OCs/cc companies. Once you have an acct with them, they can pull your CR anytime they want.
Amex is one that does this a lot. Not sure if they do it randomly or maybe if you are late on a payment........but for whatever reason, they like to do ARs.......and then sometimes they will lower your CL and/or increase your APR depending on what they see. It's BS.

[jackp]

Thanks a lot for all the advice, everyone!!!!!