View single post by Christine
 Posted: Sat May 19th, 2007 08:37 pm
 PM  Quote  Reply  Full Topic 
Christine

 

Joined: Thu Nov 30th, 2006
Location: The High Desert, Arizona USA
Posts: 45
Status: 
Offline

  back to top

The detailed description of inquiry deduplication.

The credit bureau and myFICO credit reports do NOT disclose the type of inquiry.  Obviously, consumers can not dispute what they don't know.

My claims against Equifax for the incorrect coding of my mortgage inquiry was dismissed, currently on appeal.

I also sued Experian for failing to provide the inquiry type, unsuccessfully and also on appeal.

Apparently the only way to see whether an inquiry is correctly identified by Fair Isaac's FICO scoring software is to order one of the otherwise very incomplete PrivacyGuard.com (ConsumerInfo.com, Experian) tri-merged reports.

Here is the screenshot of a client's MORTGAGE inquiries with Countrywide. 
  • Several inquiries are not identified as mortgage inquiries
  • Countrywide ran the credit twice

Attached Image (viewed 576 times):

5-19-07--inquiries-without-classification.jpg

 Close Window