Re: Requesting Credit Reports

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Posted by TJay on June 16, 2001 at 03:53:49:

In Reply to: Re: Requesting Credit Reports posted by Bob on June 16, 2001 at 03:13:23:

: You can order your Experian (TRW) and Equifax credit reports online. Just check out the *Credit Reports* link at the left side of the screen.

: As long as all of the identification information (name, address, etc) matches what they have on file, you sould be able to get your reports without sending copies of any documentation.

: Regarding the loan, perhaps this is some kind of collection agency offering you a payment plan on an old unpaid debt. There is at least one agency that sometimes offers debtors a maxed-out credit card based on an old debt.

: As far as this company checking your credit, what they can do depends on the circumstances. They may have done some kind of "pre-screening" for people with damaged credit, who might be willing to pay a high rate. Or, if they are a collection agency, and own an old unpaid debt of yours, they might have pulled your complete file

Hi Bob:

It is CastleView Finance I have never had any dealings with them. If they have not bought an
old debt are they allowed to review my file if I am not requesting credit? Can't I stop these kind of inquires? I do not have a credit card and so will have to order my reports by mail. Can I request to Opt-Out of the cra sharing my personal information with companies I have not requested credit with or that I have not acquired credit with? Again I thank you, TJay

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: : You can order your Experian (TRW) and Equifax credit reports online. Just check out the *Credit Reports* link at the left side of the screen. : : As long as all of the identification information (name, address, etc) matches what they have on file, you sould be able to get your reports without sending copies of any documentation. : : Regarding the loan, perhaps this is some kind of collection agency offering you a payment plan on an old unpaid debt. There is at least one agency that sometimes offers debtors a maxed-out credit card based on an old debt. : : As far as this company checking your credit, what they can do depends on the circumstances. They may have done some kind of "pre-screening" for people with damaged credit, who might be willing to pay a high rate. Or, if they are a collection agency, and own an old unpaid debt of yours, they might have pulled your complete file : Hi Bob: : It is CastleView Finance I have never had any dealings with them. If they have not bought an : old debt are they allowed to review my file if I am not requesting credit? Can't I stop these kind of inquires? I do not have a credit card and so will have to order my reports by mail. Can I request to Opt-Out of the cra sharing my personal information with companies I have not requested credit with or that I have not acquired credit with? Again I thank you, TJay

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