     Christine Baker (Admin) | Tuesday, March 20, 2001 - 07:15 pm 
I'm looking at a TU report:
ONE mortgage company managed to add ** 3 ** inquiries in 2 days.
Permissable purpose on all 3: credit transaction
Two were from the mortgage credit reporting company on two consecutive days, one was apparently ran by the broker directly "F.MAC" Freddie Mac?
Then there was another mortgage broker showing with 2 inquiries a week earlier, one "F.MAC"
Permissable purpose: credit transaction
And another week earlier a 3rd mortgage company
Permissable purpose: credit transaction
Next were a bunch of credit card inquiries with NO "permissable purpose" notation.
Then there is "the line" that Patricia mentioned recently, and it shows promotional inquiries and below that is the section with inquiries for account reviews.
Very nicely organized.
But, WHY is the "consumer disclosure" above the line in between the credit card inquiries?
I think they should be separate and that's what caused Patricia to think that the inquiry by MoniTrust would count. A logical conclusion.
WHY aren't the mortgage inquiries identified as such?
How do we know whether those inquiries are combined as mortgage inquiries for scoring?
And there is a "Special Message"
"Input current address has been used 3 times in the last 30 days on different inquiries
Input SSN has been used 7 times in the last 30 days on different inquiries."
What does that mean?
And since this report was the result of a dispute:
"If interested, you may also request a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information." |
