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| *Loan,banking and credit>>>credit report |
Credit Reporting? |
I recently pulled my credit reports to make sure everything was in good order and clean it up. I noticed three inquiries from a company called NCO FINANCIAL SYSTEMS under the regular inquiries (these are the ones that stay on your report for two years). I have never used or contacted this company for anything and have no idea how they can do this. I am very careful to only apply for credit when absolutely needed because I have been told if you have to many inquiries it can be a negative. So now I have three from this NCO FINANCIAL SYSTEMS and have been told it can't be removed? Is this correct? anyone ever experience this? NCO is a debt collector. If you have no bad debts, file disputes with the CRA's claiming NCO does not have permissible purpose to pull hard inquiries on your credit reports and request that those inquiries be removed. If you do have bad debts, it could be possible that NCO does have the debts. If so, then they do have permissible purpose - though they should not abuse it by poisoning your reports with numerous hard inquiries. I wouldn't worry too much about these inquiries. They won't effect your score that much. Inquiries do remain for 2 years, but those in the last 6 months are usually given the most consideration. If you don't have a ton of inquiries they will hardly effect your score at all. They usually only come in to question when you have a lot in a short period of time. Introduction to Credit Repair - http://aaacreditguide.com/forums/beginne... Credit Scoring Basics - http://aaacreditguide.com/forums/beginne... As you have never consulted with this company so live it and don't go for it. But it can be done try to consult with some other good credit repairing agency for help they will help you out. To know more you can visit http://www.creditcardbiz.blogspot.com... I used a credit repair service to remove excessive inquiries and it helped my score quite a bit. www.totaldebtsolutionsllc.com hello kelly I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogs... Good luck! |
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