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     | Monday, February 26, 2001 - 11:28 am  From their FAQ: Will requesting my own credit report negatively impact my credit? "When you request your own credit report it will not negatively impact your credit. The inquiry is not shown to potential creditors, it will only be shown to you as a "Consumer Disclosure" inquiry." I looked at the sample MERGED report and have to say that format makes it so much easier to review the reported accounts. Considering the money it takes to get that report ($29.99) it sure would be nice to have it online and BOTH ways, merged by account, and then sorted by bureau to evaluate for credit scores. Of course I don't know about the quality of the reports. Any experiences?
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| | Monday, February 26, 2001 - 11:46 am Yes, these are the guys who Lexington used. I can not sing their praises enough. You can actually discern which CRA's are reporting the dates incorrectly with the merged report. Something I totally could not see with what the bureaus were sending out. And Experian did show them as a Consumer Disclosure, don't know about the others yet.
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| | Tuesday, March 13, 2001 - 06:55 am I spoke too soon. It is showing as a hard hit with "Signed Authorization" in the Permissable Purpose line on my Trans Union. How do I go about getting this fixed since the CRA's do not investigate these types of disputes. My Equifax should be here soon. We'll wait and see on that one. Great.
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| | Tuesday, March 13, 2001 - 10:56 am Trans Union and Equifax both got it wrong. I called customer service at monitrust. I got through right away and they have a dispute process in place to correct it. I am sending the form back tonight. I'll keep everyone posted.
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| | Tuesday, March 13, 2001 - 01:49 pm My E-mail to Monitrust: "Mike, how does this happen? ... quoted Patricia's postings ... This is REALLY important because most people will NOT get the subsequent bureau reports showing the inquiries, so they obviously won't dispute it and instead they'll end up with lower credit scores. Much appreciate your looking into this, Christine"
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| | Thursday, March 15, 2001 - 03:07 pm Mike got back to me right away, I'm just still catching up on postings. Mike wrote that "when a consumer pulls their credit report through our agency it is pulled under an information purpose" And "it will appear on the consumers credit report as a "below the line" inquiry and when pulled by a creditor the inquiry will not appear or be factored into the consumers credit score. However on all credit reports, inquiries are not separated by "above the line" and "below the line" so this may in some cases cause confusion on the consumers part." I'm not sure what he's talking about and I haven't seen Patricia's report. I definitely greatly appreciate that he IS responding, unlike most other credit resellers. But obviously we have conflicting info here and I'd like to see this resolved. Maybe Patricia could fax her report to Mike?
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| | Friday, March 16, 2001 - 02:43 pm This isn't rocket science here. The credit bureaus themselves explicitly tell you what inquiries are viewed by you only and which ones are available to anyone who views the report. I'll quote from Equifax "THE FOLLOWING INQUIRIES ARE NOT REPORTED TO BUSINESSES: PRM - This is a promotional inquiry in which only your name and address were given to a credit grantor so you could be solicited you with an offer such as a credit card. (PRM inquiries remain on file for 12 months.) AM or AR - These inquiries indicate a periodic review of your credit history by one of your creditors (AM and AR inquiries remain on file for 12 months.) EQUIFAX, ACIS or UPDATE - These inquiries indicate Equifax's activity in response to your contact with us for either a copy of your credit file or a request for research. PRM, AM, AR, INQ, EQUIFAX, ACIS and UPDATE inquiries do not show on credit files that businesses receive, only on copies provided to you." And here is a short sampling of the listing on my report from them: 12/01/2000 Equifax - Disclosure 12/01/2000 PRM-Evergreen Acceptance Corp. 11/22/2000 FA Credco/Monitrust.Com 11/16/2000 Specialized Card Service I don't see any indicator before the FA Credco/Monitrust listing that would indicate it is cloaked. Trans Union seperate them out for the user. "Inquiries Seen Only by You" versus "Inquiries" are 2 seperate sections. It sounds like a lot of hot air to me. But what am I to do? Run a mortgage merged report to prove them wrong? Maybe I'll the bureaus directly next week. I just don't have a lot of time to monkey around with these guys.
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| | Friday, March 16, 2001 - 03:01 pm I am willing to fax whatever to someone to have this resolved. It sounds fishy but maybe there is more to it than what I see in front of me.
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| | Friday, March 16, 2001 - 03:01 pm I forwarded to Mike again, who I just realized is the president of MoniTrust. I think it's time I order my merged report from one of the other companies I don't like. Qspace comes to mind, they NEVER wrote back. I have NO idea why nobody is suing over these tri-merged inquiries, because it IS illegal as they are CONSUMER inquiries.
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| | Friday, March 16, 2001 - 08:42 pm Patricia, I let Mike know, maybe that's what it takes. Seeing is believing.
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| | Saturday, March 17, 2001 - 04:35 am Mike is full of it (imo).
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| | Saturday, March 17, 2001 - 01:44 pm Christine- If QSpace's merged report shows up as a hit on all three, I don't think using them will do any good at all. The postings I read on this topic here showed people seeing OUTDATED reports. If this is true, monitrust.com is probably still better. My merged report was up to date and easy to read and at least experian got the consumer disclosure part correct. And Mike did address your questions on our behalf (by us I mean the consumers reading this site). QSpace sounds worse. Although they are all dishonest, blood-sucking bastards. . .
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| | Saturday, March 17, 2001 - 03:04 pm Patricia, the only reason why I might get a tri-merged report would be to use it to SUE. I'm REALLY tired of the BS, the finger pointing, "it's THEIR fault." How many people lowered their credit scores by ordering these tri-merged reports? I noticed today that Equifax is also selling tri-merged reports. Maybe I should try them. I don't want to sue Mike, because he is the only person who ever bothered to respond to my e-mails about inquiries. And I've sent quite a few. I'd really like to work with somebody who provides QUALITY reports and offers customer service. That you got to talk to someone at MoniTrust about disputing these inquiries is almost a miracle. Nobody responded to "Sell credit reports and scores" I really think there is a TREMENDOUS opportunity to make megabucks by offering a new product: a tri-merged report that you can sort on-line according to various criteria, AND separate by bureau. To analyze reports for credit scores, you have to look at each INDIVIDUAL report to see how many and what types of accounts are reported. I think it would be worth $40 to $50 to have such a customizable report, hopefully with the credit scores.
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| | Saturday, March 17, 2001 - 03:11 pm Christine, I'm a new poster, but have been lurking around for a few weeks. On this thread, I noticed that you were talking about scores. According to a post on Creditnet, there will be scores available starting this Monday at myfico.com, among other sites. The cost is $12.95 for your report and a score. This includes explanations about the score. I hope this helps. Erica
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| | Saturday, March 17, 2001 - 04:40 pm Erica, welcome, and I guess you haven't found the credit scoring section yet. Check Sell credit reports and scores (was Myfico.com)
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| | Monday, March 19, 2001 - 10:17 am Ok-Maybe Mike was right. I got frustrated trying to call Equifax (busy), I ran my report through QSpace. The hit is not showing there. So, it is possible they are telling the truth. More as I learn it. . .
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| | Monday, March 19, 2001 - 10:27 am I just e-amiled Patricia Mike's fax #. According to Mike, his supplier Credco, states that they will NOT show as "hard" inquiries and Mike wants to get to the bottom of this. EVERY report should CLEARLY indicate which inquiries count and which do not. This is a big problem and should be changed to make VERY clear which inquiries count.
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| | Monday, March 26, 2001 - 07:35 pm In another topic I believe we figured out that Equifax is strangely listing consumer inquiries with the inquiries that DO count, but in fact it is coded correctly and does NOT count. Is the same true for TU?
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| | Tuesday, March 27, 2001 - 12:47 pm I am waiting on a chance to sit on hold with Trans Union for 30 minutes to find out about whether creditors see the hit or not. How annoying. Thanks for the fax #. I will verify the situation before I respond to Mike. If it turns out that TransUnion does not record a hard hit, I will send him a fax telling him that his group needs to negotatiate a clear "Consumer Inquiry" notation for the hits.
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