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NVuLakLnez7d

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  1. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    Ok - well I hope I have made clear that it is NOT promoting. Again, if I ask you how much a speeding ticket costs, I'm not suggesting that you speed, nor am I saying that I will. I hope that clears that up for you?
  2. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    I am not sure why everyone keeps saying "promoted". I am not promoting anything. I have repeatedly stated that. I have simply said "what happens if you do X". That in no way promotes or encourages anything. Not sure why that's not clear?
  3. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    No, I am not looking for validation. I am looking for factual information and all I'm getting is vague opinions. No, I don't believe a bank could or would close an account based on a dispute. If a dispute gets denied, it gets denied. Are you suggesting that when a dispute gets denied that all other unrelated creditors get notified? Really? Think about the liability that would create. You also seem to be completely overlooking the fact that stalkers can and do work for banks, credit bureaus, financial institutions, and law enforcement. I think we are all best served when we keep discussions to facts and let individuals make their own decisions based on their own unique circumstances. If I have to make a questionable dispute to prevent a mentally ill person from killing me or my family, then that's a decision I'll live with.
  4. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    Again - I'm not "promoting" anything. Understanding consequences isn't "promoting". If I ask you how much a speeding ticket costs that doesn't mean I am suggesting you speed. You keep saying there are risks but aren't being very specific. What do you mean by legitimate accounts closed? Are you saying my bank would close a credit card because I disputed an inquiry? I don't follow. Also as I already explained the apartment complex isn't involved. The data source is On-Site Manager. I'm not even sure a dispute would get back to them, but if it did and I explained the reasoning they'd probably be supportive. I have to weigh the risks of my security and privacy vs. the risk of disputing an inquiry. So far, I don't see any risk in disputing... it seems the worst possible case is they don't agree with me and the likely scenario is they delete without question.
  5. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    You say it's "not worth the risk" which is something only I can decide... and only if I understand what the risk is. What do YOU believe the "risk" is? I have the feeling it will be deleted without question. Why wouldn't it? There's no money involved.
  6. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    First to be clear I'm not "promoting" anything fraudulent or otherwise, simply asking a question. You say "lots of risk" but didn't really identify what that means... which was the point of my question. Second - apartment complexes don't do the credit checks directly they use a third party as in my example above so they wouldn't be involved in the dispute. More importantly, I don't think a whole lot of effort goes into investigating inquires, but I could be wrong. And finally, law enforcement is very much involved but that is really irrelevant to my question. I realize now however that my question is outside of the scope of this board... it's more security/privacy related than credit.
  7. NVuLakLnez7d

    I and my husband already have USAA - should we join NFCU?

    I don't think one is necessarily better than another, they all have their advantages. As there's no cost, join them all and shop rates.
  8. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    No, it shows both the company and then "on behalf of" the property. At least that's what my report has from the last time I moved and looked at two places. That's what I am trying to avoid. Update: From my Experian: ON-SITE MANAGER INCInquired on 02/06/2017 Rental on behalf of XXXX RESIDENTIAL G. This inquiry is scheduled to continue on record until Mar 2019.
  9. NVuLakLnez7d

    Refinance Car w/o Proof Of Income?

    I bought a car last year with Navy Federal and they didn't ask. I'm just looking for a better rate without providing a lot of info.
  10. NVuLakLnez7d

    USAA Debt Reporting

    They definitely seem to be doing something different than everyone else. Good to hear others noticing it too. Do you think it’s a bug in their system or is it intentional? Sent from my iPhone using Tapatalk
  11. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    Not sure what “myriad of ways” you are thinking of? I don’t use my actual address for anything ever and I have all my info suppressed in all public data bases like Lexis, Westlaw, even the DMV... none of which has my actual address anyway. I don’t even order a pizza using my real name. As I stated in my post, I am only concerned about the inquiry. The inquiry typically lists the name of the property. I will not use the new apartment address for anything ever (I use a different address for all mail) so it will never show up on my report other than in the inquiry. Stalkers are scary, but having an extra layer of privacy helps. Sent from my iPhone using Tapatalk
  12. NVuLakLnez7d

    USAA Debt Reporting

    But why, does it matter? The dates remain the same. I am confused as to both their intent and the result. Sent from my iPhone using Tapatalk
  13. NVuLakLnez7d

    USAA Debt Reporting

    What are they doing differently, why, and is it legal? Sent from my iPhone using Tapatalk
  14. Matter how exactly? To whom? I guess they could be disputed right? Do you mean, at some point, I might be denied an account because of inquiries? They fall off after two year anyway per FCRA right? Being denied a checking account isn't really a big deal especially if you have a bunch of other ones, which is the reason for denial right?
  15. NVuLakLnez7d

    How to keep apartment inquiry off credit report?

    I am new here, so I don't know the policies. But my question wasn't a moral one, it was a practical one. Let's avoid opinions as to morality, right and wrong, politics, etc. If I report it's fraud, it will probably be deleted right?

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