Mortgage Broker Pulled Credit Without Permission Help!!

[bellagad]

thank you....

[bellagad]

samantha thank you for your kind words. and aa i have to say yes i do want this person fired and put in jail if possible,the employee lost the right to privacy when she tunred it into a criminal matter, and yes that one inquiry has effected my credit score and my wifes. so many people are un aware of how easy it is to damage someones credit. lets say i pulled your credit for no reason and caused you credit denial etc. wouldnt you like to be the one who threw the handcuffs on me. i went through enough stress just bringing myself to claim bk. and thanks to this board and what it has taught me in the past couple of months of non stop reading of the postings here i have been able to rebuild my credit. thanks to this board i now have a new truck and a credit card that wont kill me with charges. your post makes me think you condone this persons behavior. a professional in any business should be held to there responsibilitys. if she pulled mine and my wifes credit report and only god knows how many more without permission. and since arizona holds the highest id theft rate in america i say thats a issue, am i done yet no. the ftc just confirned i have a case and the az attorney generals office also thinks the same. the company has 13 days to settle or it is off to small claims court i go. and i have to say once again thanks to BANRUPTCYFORUM.COM it gave me the ammo and the cajunas to do this and do it the right way

[aa06a47]

samantha thank you for your kind words. and aa i have to say yes i do want this person fired and put in jail if possible,the employee lost the right to privacy when she tunred it into a criminal matter, and yes that one inquiry has effected my credit score and my wifes. so many people are un aware of how easy it is to damage someones credit. lets say i pulled your credit for no reason and caused you credit denial etc. wouldnt you like to be the one who threw the handcuffs on me. i went through enough stress just bringing myself to claim bk. and thanks to this board and what it has taught me in the past couple of months of non stop reading of the postings here i have been able to rebuild my credit. thanks to this board i now have a new truck and a credit card that wont kill me with charges. your post makes me think you condone this persons behavior. a professional in any business should be held to there responsibilitys. if she pulled mine and my wifes credit report and only god knows how many more without permission. and since arizona holds the highest id theft rate in america i say thats a issue, am i done yet no. the ftc just confirned i have a case and the az attorney generals office also thinks the same. the company has 13 days to settle or it is off to small claims court i go. and i have to say once again thanks to BANRUPTCYFORUM.COM it gave me the ammo and the cajunas to do this and do it the right way

When typing my response, I almost deleted it and didn't send it because I thought it might be mis interpreted. No, I don't condone the behaviour. I am not even sure how they got your ss # to pull a report? Never thought of identify theft. I will be starting the rebuilding phase soon and will use this forum for helpful advice. I have learned alot just going through the process of my Chpt 13. Keep posting your advice, I may not agree with the tactics, but then again, I may need to use them myself some day.

[bellagad]

they never used our ss numbers it was done by putting zeros where the ss number would go,

[aa06a47]

How would they get a credit pull without a ss#? I don't understand.

[bellagad]

niether do i but it was done and the company that pulls the credit reports for the mortgage company verified that it was...

[RCAGREEN]

Well Now I Need Some Advice About The Same Thing Bellaglad. My Husband Has 28 Inquries On His Report In The Last 90 Days And We Only Signed To Let Two Places Pull Credit So We Could Buy Our Truck. This Has Really Damanged His Score And We Are Trying To Buy A House But Can't Because Of This And Three Credit Cards That Are Not His. He Does Not Know Whos They Are. I Fell If We Could Clear This Stuff Up We Could Buy The House We Want. We Found A House That We Want Really Bad But He Needs A Boost In His Score.
Please Help!!!!!!!!!!!!!!!!!!!!!!

[bellagad]

if you only went to 2 dealers and they pulled your credit report and all of a sudden you have 28 inquiries something is wrong. i purchased my truck in oct/05 and i actually shopped around letting the idiot dealers pull my credit like kids grabbing candy, had i known the damage then that they caused that i know now it wouldnt have happended. my wife had 54 inquires under 11 different names all because of the dealers. i had 22 of them. i am down to 6 and the wifes is down to 4. i did this in under 30 days also were you able to get a truck.?? send me a email to [email protected] and i will email you a ton of letters and duspute them all

[tinroofrusted]

Look,

I don't mean to be rude, but I am seriously wanting to laugh here.

ONE inquiry, is not going to get you turned down for a loan. Every day we get calls from people "shopping around" for a mortgage loan, and they have several inquiries, that day alone. One inquiry is not going to get you turned down, period. Chances are, it isn't even going to hurt your credit score!

If you feel that this was done illegally, that is one thing. However, to freak out and create stories about this is another. No one should pull someone else's credit without permission. It is against the law.

BTW-some subprime auto lenders will "outsource" your file to several different underwriters, and they will also pull thier own credit file. Be very careful when filling out applications for an auto loan, especially now, because you may very well be signing something that DOES give permission to other lenders to pull your credit.

Be more informed about credit, credit decisions, and about your individual credit file.

BTW-RCAGREEN- check into an identity theft issue!

[bellagad]

there is always the one person out there who we call the one upper,tinroofrusted i am awarding you that title, first off i dont need to make any story up and could give a hoot less on your thoughts. are you telling me a hard pull from a mortgage company does not effect your score. if so you are wrong. and i have it in writing from the reporting agency telling me it does, and to be honest the ftc and az attorney generals office seem to think damage was done also, as i now have a case pending against the employee and the company. seeing as you are a mortgage lender i understand your one sided thinking. i have learned this much. there snakes in the lending business and they seem to be worse then the car dealers. only difference is they fly under the radar. bottom line is i hope by your comment people notice the slither marks left by only certain people your profession

[aa06a47]

Credit pull do lower your score, especially hard credit pulls. I have also heard that multiple pulls on the same day for the same "reason" such as an auto loan usually only count as 1 pull. Either way, once you reach a certain number of pulls, you score drops a few points. Experien actually has the plus score simulator, and you can change things in your file to simulate where you would be. Pulls is one of them. Doesn't seem to drop you score by much, but it does drop it some.

[tinroofrusted]

there is always the one person out there who we call the one upper,tinroofrusted i am awarding you that title, first off i dont need to make any story up and could give a hoot less on your thoughts. are you telling me a hard pull from a mortgage company does not effect your score. if so you are wrong. and i have it in writing from the reporting agency telling me it does, and to be honest the ftc and az attorney generals office seem to think damage was done also, as i now have a case pending against the employee and the company. seeing as you are a mortgage lender i understand your one sided thinking. i have learned this much. there snakes in the lending business and they seem to be worse then the car dealers. only difference is they fly under the radar. bottom line is i hope by your comment people notice the slither marks left by only certain people your profession

Bellagad, before you jump to conclusions, understand this. I have been a productive member of this board for over a year now. I also own my own credit repair company, and this was all long before I ever joined the mortgage business. (And for the record, I not only work in the bankruptcy department there, but I am not even a sales person; I work in processing! But I do know how credit reporting and scores work.) I pull credit, and I do credit analysis every single day....

I am telling you, that ONE HARD PULL, will MAYBE drop your score by a point or so. Period. Now in the other case of the auto dealers pulling it 28 times, that is going to cause some issues. ONE, however, will not, and I am sorry, but I am just having a hard time believing it. In the past year and a half, I have never ONCE seen or heard of anyone being denied credit due to one pull on their credit report. (In fact, we don't even look at pulls on someone's credit report!) Not to say that it isn't possible, but it sounds suspicious and more than a little strange to me.

Here's the truth. No one knows 100% how a credit score is determined. I bet employees of the credit bureaus don't even know. It's not public information, and the bureaus don't release it. There are estimates as to how a score is determined, but it is nothing set in stone.

I think you have a personal vendetta against this person that pulled your credit, and now you are following up on that. This whole thing just sounds strange.

I filed bankruptcy too you know. I do understand these things, and I know a lot about credit reports, repair, and a host of other information.

[tinroofrusted]

Credit pull do lower your score, especially hard credit pulls. I have also heard that multiple pulls on the same day for the same "reason" such as an auto loan usually only count as 1 pull. Either way, once you reach a certain number of pulls, you score drops a few points. Experien actually has the plus score simulator, and you can change things in your file to simulate where you would be. Pulls is one of them. Doesn't seem to drop you score by much, but it does drop it some.

One to two points is not that big of a deal... If it dropped it by 20, that would be something to be concerned about.

[bellagad]

you dont have to put yourself on a wooden box for me and explain anything. you say i have a personal vandetta, and you are right that no one knows how a scored is lowered 100%. you say it is hard to believe. lets see if you believe this. i recieved a call from the president of the mortgage company last night and he said to me he talked to the employee and that she said i gave her permission.i asked when this was and he said dec 30th of 05. thats funny because i moved out of az in november. told the president he sounded like he was siding with his employee and i understood that seeing as he has assetts to protect and the only way we are going to solve this is to send me a letter stating he has terminated the employee and have a check for the requested amount that i demanded in my intent to sue letter. and yes now i will not stop until not only our credit reports are corrected until she is in jail since you are the
expert and even you agree no one really knows what damage is done. i have been in the repo business for a number of years now and know first hand how dirty people can be. for that reason alone i am glad i am using the the experience i have recieved from this board to persue this,

[tinroofrusted]

you dont have to put yourself on a wooden box for me and explain anything. you say i have a personal vandetta, and you are right that no one knows how a scored is lowered 100%. you say it is hard to believe. lets see if you believe this. i recieved a call from the president of the mortgage company last night and he said to me he talked to the employee and that she said i gave her permission.i asked when this was and he said dec 30th of 05. thats funny because i moved out of az in november. told the president he sounded like he was siding with his employee and i understood that seeing as he has assetts to protect and the only way we are going to solve this is to send me a letter stating he has terminated the employee and have a check for the requested amount that i demanded in my intent to sue letter. and yes now i will not stop until not only our credit reports are corrected until she is in jail since you are the
expert and even you agree no one really knows what damage is done. i have been in the repo business for a number of years now and know first hand how dirty people can be. for that reason alone i am glad i am using the the experience i have recieved from this board to persue this,

First it was the woman was fired, and now she's going to jail......

Last time I checked there were no laws about jail time and violations of the credit bureau, just a fine that was to be paid.

I think the only damage being done here is by a possible misunderstanding or misstatement that is being blown out of proportion by someone who, quite frankly, doesn't understand or even know what the hell they are talking about.

Yes, it is illegal for someone to pull your credit without their permission. However, they can not go to jail for this violation, they can only be fined. There is always the chance too that it was an accident. There are about 700 people in this country with my name. (first and last) My twin sister and I have a social security number that is one different from the other. It is highly possible (and assumable) that someone pulled your credit accidentally.

I know that you have said previously that this is impossible because it was done without a social security number, but I also don't know how in the world they even got your credit without the number. It is virtually and completely impossible to do.

Forgive me for being so incredulous over this, but your story is just way out in left field.....