My situation:
About 4 months ago an NCO Collection appeared on my account 3 CRA reports.
As this account really wasn't me, I DV'd. I also played with the CRA .
2 weeks later they were gone from all my reports. A week later I received a nice letter from NCO-compliance, signed, apologized and said the account was closed with their offices.
Today, on the infamous PG, I noticed that my TU score dropped by 4 points. I looked at the account history, and could not change . I've noticed that NCO had two inquiries on my account . TU Yesterday
Games?
Or what? Anyone?
There no NCO TL somewhere on the report.
Reply:don't give up yet…
If all your old debts are out of SOL, then there's not much to worry about…
If it were me (knowing that ANYTHING I have/had is either never late, beyond SOL, or IIB), I'd send a non-pp letter…
Reply:FRUSTRATING! GRRRRRRRR
Reply:I am doing Credit Repair after a weird divorce some time ago….although my baddies are way down there may be something still floating around somewhere…
The point is, do CAs' normally pull a InQ several times a day? Just curious…
Perhaps I should just give up on this repair…Seems every time I put out one fire another pops up elsewhere….frustrating…I really don't NEED or use credit maybe I should just keep using cash and reduce the stress…
Reply:well, do you have any past due bills that may have been sold to them?
two INQs because they're morons most likely….
Reply:Hmmm, good question….Pryan….
How would I find that out without using the infamous phone?
I hesitate to wait for a TL to pop up? (Not that I have any affirmative control of that)….
My MAIN question is why TWO inquiries to only one CRA in ONE day?
Reply:I'd send a non-PP letter to NCO if you're 100% SURE that they don't have a collection for you…they may have picked up another one
Reply:Yes just dispute as Non-permissable purpose….
Reply:I AM opted out….
We can dispute inquiries? Yikes…I wasn't aware of that (red-faced)
Reply:Have you opted out?
Same thing happened to me 2 years ago, i saw the inquiries, disputed, and they came off, and appeared again the next month. Dispute again with NCO and they should come off and stay off, they did for me.
September 29th, 2011 
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