Everything posted by Izesta
Thanks, but actually no, there is no specific problem. All I know is what I stated. They attempted to access my credit and I do not know why. I got a response from CBA yesterday confirming it was my servicer trying to access. Gonna try another avenue to try to determine what is going on. I guess it could possibly be an error by the servicer. After all, they make a boatload of mistakes. My mistake for not using the proper terminology. Writing too quickly. I realize the bureau must control what appears on a report and I understand DOFD. I mentioned above that it's been 7 years and almost 8 yrs ago that it dropped off my report. Actually, I am just as concerned with them "accessing" my report. I don't think the bureaus can control that and I don't know "when" permissible purpose ends. I wonder if a permissible purpose extends even after reporting ends if a debt in still owed. If so, it's another good reason to keep reports frozen.
Hmmm. Not a lot of help. I do know the difference between an inquiry and furnishing data. That's why I alluded to both. I am not a novice to credit. I know that CBA tried to pull because my credit report shows a "blocked inquiry" from CBA. They did not access my report. As I mentioned, CBA is the agency my servicer has always used to pull credit. Many servicers use CBA for this purpose. In the past, every time my servicer has accessed my credit, it was a pull by CBA. But what I was asking kinda got off target. I wanted to know, "Does anyone know if a mortgage lender can report any data to a credit bureau (or access my data) AFTER the account has fallen off the report due to the "7" year rule? Please advise if anyone has any input as to this. THX.
Does anyone know if a mortgage lender can report any data to a credit bureau (or access my data) AFTER the account has fallen off the report due to the "7" year rule? I was wondering because I saw that CBA (Credit Bureau Associates) tried to access my report last month. They got nothing due to my freeze. In the past, my lender has always used CBA for credit pulls.