I have a load of inq from all these guys. I have had BOA for years and have no clue who these guys are. Anyone know?
If I dispute them through Chexsystems, do I do a separate letter for each company or can I group them?
Microbilt – 1640 Airport Road Ste 115, Kennesaw, Ga 30144
12/20/2010, 01/03/2011, 03/27/2011, 06/06/2011, 08/01/2011
Teletrack, Inc – 5550-A Peachtree Pkwy, Norcross,Ga 30092
01/03/2011 2 on same day
CL Verify – 3030 N Rocky Point Dr, Tampa FL 33607
Inquiries Not Initiated By Consumer Action refers to inquiries resulting from transactions you may not have initiated, so you may not recognize the source. Members with permissible purposes include current creditors, pre-approval creditors, and potential investors trying to assess risks. They report these requests only to you as a record of activities, and they do not include any of these requests on credit reports to others.
Under the federal Fair Credit Reporting Act (FCRA
), consumer credit reporting agencies are permitted to include your name on lists used by creditors or insurers to make "pre-screened" offers of credit or insurance that are not initiated by you. The FCRA
also provides you the right to "Opt-Out", which prevents consumer credit reporting agencies from providing your credit file information for "pre-screened" offers. If you choose to opt-out, your name and address will be removed from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5 OPTOUT 1-888-567-8688
You may opt-out with ChexSystems at 1-877-OPTOUT 5 1-877-678-6885
Inquiries Initiated By Consumer Action refers to inquiries resulting from a transaction initiated by you. These include applying for a credit card or completing an application at a financial institution. Please note that the inquiries are part of your credit history and may be included in our reports to others. These inquiries can be viewed for ninety days up to three years.
You can not dispute the Inquiries Not Initiated By Consumer Action
You can dispute the Inquiries Initiated By Consumer Action
If you have an inquiry on your report that shows up under those initiated by a consumer action and you did not authorize the bank or company to do so, you can dispute it and they will have to remove it if they can not prove it was authorized.