MONTHLY Non-PP credit pulls!!!

[mrsbrown9999]

2nd mortgage company was pulling my credit every month while I was in CH13. When I called to inquire no one could answer why they were inquiring. I confirmed with the Credit Reporting Agency these were hard pulls so they had no permissible purpose as I am already a customer with them.

Has this happened to anyone else? I am going to send a permissible purpose letter, but I am waiting for loan modification to go through. Maybe I can get some money back as each pull is up to $1000 fine if they don't remove???

[Amy26]

I'd be interested to know what kind of letter you send.... I have a strange inquery that keeps showing up on all three of my reports...

It is from BK1 COLLECTIONS Phoenix, AZ. There is a contact phone number listed but it is not in service. I disputed the inquery on Equifax and then it disappeared. Then today, I get a notice that I have a new inquery and its from them again. I also got a notice from Trans Union about a new inquery and it was also them again but they checked Trans Union 3 times on the same day!

I thought this inquery was by a lawfirm that my HOA hired, but I dunno why they would use a collection agency in AZ...the lawfirm is in VA.

I don't owe any money to Bank One and I never had any accounts serviced through them. So, I'm a little miffed that these hard inqueries keep appearing without my authorization.