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 Posted: Fri May 09, 2008 5:57 am
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PDL's are on my inquiries...
they are checking like every week
saying that the inquiries were initiated by me..
Is there anything I can do about that?
Can they do that legally?
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arbenton
Joined: 05 Mar 2008
Posts: 43
Debtcc Points: 1203
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Posted: Fri May 09, 2008 6:33 am
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they is so scary - i never even thought of that.. i really don't know but that's real scary.
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bea2ls
Joined: 27 Mar 2008
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Posted: Fri May 09, 2008 6:37 am
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I would contact chexsystems and let them know that I did not authorize any of these inquiries.
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jacks1392003
Joined: 08 Apr 2008
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Posted: Fri May 09, 2008 6:40 am
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go here and it shows you how to contact them and to submit a fraud alert. Go to consumerdebit.com
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jon1972
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Posted: Fri May 09, 2008 6:48 am
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I said something about contacting chexsystems but after trying to reach a live person I realized that it is very difficult. So I am going to try my darnest to reach them and get an answer.
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jacks1392003
Joined: 08 Apr 2008
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Posted: Fri May 09, 2008 6:53 am
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You are right about that fraud alert, I applied for my chexsystems report on line can anyone tell me will I receive it in the mail? or what?
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jacks1392003
Joined: 08 Apr 2008
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Posted: Fri May 09, 2008 6:57 am
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I would recommend that all of us with these ipdls/pdls and this fraud alert on to stop them in their tracks so when they go to pull your chexsystems they won't be able to do it. You can even place the alert on your file by phone. I am going to place one on mine. I wish I would have known about this prior to opening my new checking account.
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jacks1392003
Joined: 08 Apr 2008
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Posted: Fri May 09, 2008 7:16 am
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How would putting a fraud alert stop a pdl from accessing the report? Wouldn't it just show to them that there's a fraud alert on it?
It's my understanding that fraud alerts are there to alert the creditor that there may be ID theft going on, not to stop a creditor from looking at the report. I may be totally off base here, but that was my understanding. I don't see how a fraud alert would stop an inquiry.
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goudah2424
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Posted: Fri May 09, 2008 7:49 am
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Goudah, you're right I reread the information because I thought it said that in order to obtain a copy of the report a ss#, written consent and password would have to be provided to verify it was you but apparently that is only to change the information.
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jacks1392003
Joined: 08 Apr 2008
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Posted: Fri May 09, 2008 8:07 am
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My question is: does it hurt you to have the pdl inquiries on the report like it does your credit report?
What does it mean to have someone on the checksystem report as an inquiry? pdl's has your basic information to request a report on you...
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purplegirl69
Joined: 26 Feb 2008
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Posted: Fri May 09, 2008 9:23 am
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The reason they are looking at chexsystems is to see what banks inquired on your chexsystems report so they might be able to find your new checking account.
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Guest
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Posted: Fri May 09, 2008 9:40 am
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I see; but if that is the case how do they get your new account information...
I have read that they do; but how?? No bank that I know of will release account numbers...
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purplegirl69
Joined: 26 Feb 2008
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Posted: Fri May 09, 2008 9:44 am
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I don't know all the details of that but they do have all your personal information like your ss#,dl#,home address and phone number so I can't imagine it would be that difficult.
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jacks1392003
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Posted: Fri May 09, 2008 10:41 am
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Guess your right... what has this world coming too...
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purplegirl69
Joined: 26 Feb 2008
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wssu91
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