Just got a copy of my Credit Report from equifax.com. Boy do I have a lot of PRM's. Anyway my question is in regard to Bayhouse info:

My report:
Note the consumerinfo.com. I do not see any symbol next to it. Does that mean it effected my score? Maybe they have changed something. Am I just misunderstanding?

Thanks,
JAA

*Apparently* it is a "hard" inquiry. Only Equifax and Fair Isaac would know for sure.

I haven't even had time to check into the TU inquiry, but this really is important.

I just looked at MY Equifax and the tri-merged Consumerinfo.com shows as "ID-I Place, Inc" AND "First American Credco/Place" both 6/23.

It's highly unlikely that I ordered 2 seperate reports, why would I do that? MAYBE I started ordering individual reports, couldn't get all 3 and went to the trimerged. But then again, I don't have another report with that date. This is really odd.

Did you order their free report, the monitoring service, or the tri-merged?

IDs can be hard inquiries. I have one from Citi right now.
Contact them and tell them to correct it. If you are asking for your own report, this should only be a soft inquiry.

Christine, First American Credco is the company my mortgage lender used, and they screwed up everything. I had 4 paid accounts with deliquencies from 1 to 4 years old, but they were all paid off at least a year ago. According to Credco, all 4 accounts had recent deliquencies because they apparently go by the last date reported which happened to be the recent dispute dates. Anyway, I called Equifax who told me that Credco didn't know what they were doing, yet Equifax could not tell me the exact dates of deliquency. Hmm........
The FTC already got CREDCO for violating FCRA about 3-4 years ago. Anyway, I wouldn't rely much on what CREDCO provides on those tri-merged reports.

This wears me out. I guess I'll just HAVE to sue Equifax too, and ConsumerInfo.com.

WHEN do I do it all?

Now if you only had that in writing!

I believe i ordered the "free report". It was quite difficult to read. I also had to call and cancel that 'thing' they automatically sign you up for.
Contact consumerinfo.com? Tell them that since it way a query of my own credit that it should not be on there? Or do I call equifax?

Thanks,
JAA

JAA,

If you haven't already done so contact Equifax and ask if it is showing up as a soft or hard inquiry. Looking at your report it looks like a hard inquiry, but it doesn't hurt to ask.
If it turns out to be a hard contact consumerinfo and ask them to either delete the inquiry or change it to an AR or PRM. I'm sure they will give you some garbage that it is a soft inquiry, but then again all creditors and the bureaus think we're all idiots. If this doesn't work dispute it with Equifax. I suggest doing this only after consumerinfo refuses to change it, because Equifax is the hardest bureau to delete inquiries through. If it comes back verified then sue consumerinfo. Nothing gets someone's attention like a lawsuit.

Dani

-I have summarized the conversation-

Me: Is the consumerinfo.com a hard or soft inquiry.
EQ: Soft
Me: I read at the bottom that a 'soft' inquiry has a prefix?
EQ: Let me check on that...one sec.
...
EQ: It is a soft inquiry.
Me: Is there any way I can get that in writing?
EQ: You could probably go to the library and find a book on it.
Me: I mean from EQ, you are telling me it is soft, there is no proof that it is.
EQ: I am looking at a memo right in front of me that says the consumerinfo.com inquiry is soft. It will remain on you credit for one year. It will not be devulged to other buisnesses or effect your score. With all the new internet companies now-a-days, all of it is so new, and there is just not a prefix for it, but it is soft.
Me: Can I get a copy of the memo you have?
EQ: No.

Before anyone starts throwing furniture at how rude the EQ person sounds, he did not sound at all like I wrote. I paraphrased and actually he was VERY nice and tried as much as he could to help. Unfortunately I do not have any proof that it did not effect my score except what he said.

FYI - Something interesting also happened. I noticed on my report that one of my "Employmnt History" was incorrect (only a misspelling). I asked him if he could help me with that. He said that EH was being removed from the report entirely. He said that EQ was asking people to leave things like they are or remove them as of today. I told him that I did not want him to change mine, it seems to be working right now . I asked him why they were removing it, he said because people were changing jobs a lot now-a-days as well as some people need to keep 2, 3, even 4 jobs to make ends meet.


JAA

Why am I having such a tough time believing anything I don't get in writing?

Really appreciate your calling and posting the results.

I'll definitely have to follow up on that with Equifax myself, in writing. Good thing I got the e-mail in response to my PFB letter.

I've asked TU attorney Stamps about my ConsumerInfo.com inquiry in tonite's fax, but it'll probably be next week till I get to Equifax.

I saw an Equifax report this week with numerous consumerinfo.com inquiries.

A few had the AR designation, 4 were listed as "consumerinfo.com"

All mixed up nicely, so it's not like something changed at a certain point. With the disputes I've requested clarification from Equifax.

There's one way to find out for SURE how those undesignated inquiries rate:

If you have your MORTGAGE credit report, and you've used consumerinfo.com in the last 90 days prior to the RMCR, PLEASE check to see what shows. Unfortunately the mortgage credit reports only list inquiries for the last 90 days.

Of course any LENDER credit report would do too, if you see consumerinfo.com, it's obviously a hard inquiry.

About the TRI-MERGED consumerinfo.com report:

As some of you may remember, we had tremendous problems with Qspace (now merged with consumerinfo.com) selling old and incorrect reports.

A client just sent me the tri-merged, and one REALLY nice feature is that you can see how inquiries are coded:

"consumerinfo - Miscellaneous and public record"

"Ford Cred - Sales Financing Company"

"Ford Motor C - Credit card and travel / entertainment companies"

"Onyx Accept - Finance, personal"

"Ford - Troy - Auto Financing"

"Capial One Bank (CA - All banks"

"Cap One Bank - Banks and S&Ls"

"Capital One - Bank credit cards"

"Credco - Miscellaneous and public record"

"Household Automotive - Auto Financing"

"Creditland - Miscellaneous and public record"

"Sprint PCS - Water Companies"

Soooo, this is some of the data I'm suing TU for. And before you ask, I have no idea which one of these inquiries are ignored or deduplicated by Fair, Isaac. I suppose the ones with "auto" in the description are deduplicated, but don't quote me on that!

There's only one way to find out for sure, and that'll have to be another law suit. I think I'm going auto shopping soon.

Unless somebody else would like to volunteer????

From the main page at consumerinfo.com:

"Plus, you can rest assured that your credit rating will NOT be affected when ConsumerInfo.Com pulls your FREE credit report for you!"

This seems to be the most appropriate topic to post this info from the Consumerinfo.com affiliate newsletter:

"ConsumerInfo By The Numbers
Page views: ConsumerInfo's family of sites received 8.1 million page views in June, excluding pop-unders, which is FOUR TIMES the volume of our top competitors combined.
Members: More than 900,000 members subscribe to the CreditCheck® Monitoring Service.
Partners: ConsumerInfo enjoys prominent partnerships with more than 100 sites such as Yahoo!, LendingTree, E-LOAN, iWon, Prodigy, Earthlink, MSN HomeAdvisor and other top Internet properties.
Pioneers: Introduced the first online credit report in 1996.
Executive team: comprised of industry veterans with more than 60 years combined experience in consumer credit.
Stability: ConsumerInfo is an Experian® company and part of GUS plc (London Stock Exchange: GUS.L), a $10 billion company. "

I had NO idea that ConsumerInfo.com is an EXPERIAN company, that sure explains a lot! So, I can add this Equifax HARD inquiry on my report to my suit against Experian.

Interesting. I wonder why they don't use Experian for their reports?


As for the inquiry issue, I am still at a loss as to why everyone wants inquiries deleted. I guess it's because nobody truly knows what counts against your score, and what doesn't. I am personally more interested in knowing who accessed my file, legally or otherwise. The inquiry history really shouldn't be available to anyone but the consumer.

Ideally, the creditors could follow up on all approved applicants and then THAT particular inquiry could become part of your file. Then you would have an accurate picture of the amount of debt a consumer is taking on. Merely applying for credit does not always mean you are being approved.

Exactly, just because you applied doesn't mean you got new credit.

I think consumerinfo.com does use Experian for their monitoring service.

Re. inquiries, an excerpt from M0ri4rty's posting at http://bayhouse.com/credit-forum/sh...s=&threadid=913

"Sorry, DJReverb, but the 115 point score drop from one inquiry is not credible. The maximum FICO score drop from a single inquiry is 35 points when going from 0 to 1 inquiry. 115 points is the maximum score drop possible from the inquiry factor by itself. It occurs when going all the way from 0 to 10 or more inquiries. (How do I know? I develop credit scores for a living.)"

With a 115 point loss potential, it's well worth looking at your inquiries.

http://www.creditforum.org/showthre...=&threadid=1438

It's not just you. It's hard to delete because they fail their legal obligations.

I bought another tri-merged just before I sued, because TU won't give me my report.

I then asked for a refund because the reports are incomplete and I had ordered the TU score for an additional $5. Turns out it was the CreditExpert worthless score.

They actually have the nerve to advertise their reports as the most complete, and on the phone they told me that they provide the exact same info as the bureaus.

It's easy enough to prove their lies, and while they refused to refund the $39.95, we'll see what the jury says.

My suit

PrivacyGuard gets the reports from ConsumerInfo.com (Experian)

Apparently the problem of the occasional "hard" inquiry on TU still exists. If you use PrivacyGuard and you get your Fair Isaac scores, check to make sure that none of the PG inquiries are reported in the "inquiry" section of the scores.

Please post if that happens.

I'm considering adding PrivacyGuard (Trilegiant) to my suit, the problems are obviously identical to the ConsumerInfo.com. They are clearly violating the FCRA by selling incomplete credit reports.