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  1. It is standard to ask some questions about places you never lived or people you didn't know. About half the questions I get asked for ID purposes are about places I've never lived at or "relatives" that aren't. Just answer in the negative or n/a or "none of the above." Exactly. I've passed these multiple choice questions many times before, and this is the first time I've failed. I chose "none of the above" for both of the questions I was asked about Joe Smith and in the end the CSR told me I didn't pass.
  2. Thanks, that makes a lot more sense. The thing that threw me off was that the supervisor himself said "I'm going to ask you a series of multiple choice questions based on your credit report".
  3. I'm currently travelling and I lost my card. In order for my bank to ship a replacement card out to an address that's not on file, they had to verify my identity by answering several multiple choice questions based on my credit report. Now I have a common first name and a common last name, let's say John Smith. They're asking me in which city Mr. Joe Smith lives. Although I do know a Joe Smith, we are not related in any way and he should have absolutely nothing to do with my credit report. The only thing that might be tipping the CRAs off is that him and I lived at the same address at one point, well over a decade ago. I do happen to know that while we were living together he applied for a home loan and was denied. However, I've never had anything negative appear on my credit report and nothing whatsoever that would link me to him. So that's it. Because we lived at the same address and shared a last name, maybe the CRAs think we are related? Now they're asking me questions about him and I have no idea what the answers are. So I "failed" my multiple choice identity verification and now I'm stuck on the road without my ATM card. How can I investigate this and get this fixed so that I no longer get asked questions about someone I have no relation with??
  4. When I joined CB I had 6 hard INQs from the past two years, and the were all on EQ. I B*'d them all off. Since then, I've made a rental application for an apartment, a CLI request, and applied for a mortgage. This gave me 6 brand new hard INQs, and none of them are on EQ. Four on EX, two on TU. Coincidence, or is anyone else noticing a similar trend?
  5. I have 3 INQs on EX, 1 on TU, and none on EQ. Just my luck. I'm about to purchase my first home. Do you guys recommend using LendingTree?
  6. If you apply for a home loan, does a bank generally do a hard pull on all three CRAs? I would think so, but I just want to make sure that its not like CCs, where it's usually a hard on only one CRA.
  7. I've hung out here in the B* threads before, and I'm a little embarrassed to have to make this kind of thread These past few months have been quite busy for me. I've moved twice and also spent a lot of time away from home. Some mail got piled up, and yesterday I finally decided to go through it all and pay everything I owed. TODAY I received a letter in the mail from Nationw*de Recov*ry Service. It is dated 11/4, but the postage stamp says 11/5. I paid the original creditor on 11/7, and I received this letter on 11/8. The letter contains this text: "Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification." So what happens now? When I dispute it, and they seek verification, will they notice that its been paid and just back off? I'm fearing that they won't. Does the fact that this CA is contacting me mean that this is definitely going to show up on my credit report? I pulled my report today and I don't see anything new. I know that the worst possible thing for me to do is to pay the CA. Doing that will guarantee that it'll stay on my credit report, won't it? If it's at all relevant, I incurred this debt while living in California, but now I live in Massachusetts. The collection agency is based in Tennessee. The debt is unpaid co-pays for medical treatment. I'd appreciate all the help I can get. Even if it's just links to other stuff I should have already read. Thanks!
  8. assuming: MPM = column C CCT = column D USAA = column E If column G is empty, then in cell G3 enter "=MAX(D3,E3)" Copy that cell to all rows below it. This will show you your total softs for EQ: "=SUM(C3:C28)+SUM(G3:G28)" THANKS!! Doesn't MCK count towards EQ though?? I'm fairly sure it doesn't. http://creditboards.com/forums/index.php?s...p;#entry4205794
  9. assuming: MPM = column C CCT = column D USAA = column E If column G is empty, then in cell G3 enter "=MAX(D3,E3)" Copy that cell to all rows below it. This will show you your total softs for EQ: "=SUM(C3:C28)+SUM(G3:G28)"
  10. I earn a very good salary and I have a very good credit score, but prevailing stereotypes about people of my skin color would lead people to assume that I have neither. So I'm guessing a hard-pull is gonna be unavoidable
  11. Last time I test-drove a car, they only asked for my license. They took my card with them into an office to make sure everything "checkout out". Is it possible for them to do a hard pull using only the information gathered from my license? I most definitely will not give them my social security number, but I want to make sure I'm still safe.
  12. Shoulda tried "fico25" for 25% off instead of 20%. Worked for me today.
  13. I can confirm that the "upgrade" was made available to me and it is an extra $10.
  14. I just tried pulling on CS and they gave me a message saying that you can now only access your triple-report 3 times in one month. But you can "upgrade" to "unlimited" pulls for and extra $10. So Amex CS is now $21.99

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