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Venturion
- Senior Member - 1K
posted: Oct. 15, 2008 @ 3:24p
ElectricSavant said:If your one of those people that was "account closed due to bumpage by TransUnion" you cannot use this service.. ES - I had the same experience sometime last year. I signed up for PM123 and NC IP around the same time. I was pleasantly surprised to see that I could in fact sign in to the TU dispute site with my old TC credentials. I'm not sure what changed and I've presented all the facts of which I'm aware that might be pertinent. I did yell at a TU rep (only time I ever lost my cool when she kept asking me to read aloud the e-mail message TC sent to me months ago when banning me). Other than that, I'm not sure why I have access and am able to dispute like non-banned people. |
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onedollarinmywallet
- Senior Member
posted: Oct. 16, 2008 @ 3:13p
umafuaba said:I had a hard pull on 10/7/2008, as reported to me by AMEX's CreditSecure. I kept track of this thread and this thread and emailed Credit Karma to tell them to remove the inquiry. They wrote me back with their canned response that has already been discussed. I waited for the dust to settle and requested a full report from TransUnion using their dispute link. As of today, October 14, the hard inquiry from October 7 was no longer on my report. Is 10/7/08 the only confirmed day/date that CK accidentally did a hard pull on CK requests? I received an alert from PM123 about a change in my credit but I don't see any new inquiries showing up nor any new accounts. |
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noodlz
- Senior Member
posted: Oct. 16, 2008 @ 5:04p
I declared bankruptcy with the credit simulator and my simulated score went up. |
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DiabloD3
- Senior Member
posted: Oct. 16, 2008 @ 7:10p
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mttatkns
- Senior Member - 1K
posted: Oct. 16, 2008 @ 8:28p
The credit simulator isn't perfect.
If I add 12 months of on-time payment history, my score goes down 4 points
If I allow all cards to become 90 days past-due, my score does not change
However, if I declare bankruptcy my score actually does go down. |
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