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04-22-2008, 08:29 AM
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#1 (permalink)
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Elite Member
Join Date: Aug 2006
Location: Way down yonder in the pawpaw patch
Posts: 499
Casino Cash: $393950
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I have no title
One of my cr's is showing an inquiry made by a place CITBank/Bill Me Later. I have no idea who this is and because I haven't applied for credit with anyone in probably 7 years I know they have no business pulling my cr.
Do I write the cra and ask why they thought this place had permissable purpose and do I also write the CITBank place and ask what the heck they think they are doing?
__________________
Learn to have an attitude with gratitude
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04-22-2008, 08:31 AM
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#2 (permalink)
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HONORED GUEST
Join Date: Jul 2006
Location: Austin-area
Posts: 2,648
Casino Cash: $380700
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Is it a soft inquiry or a hard inquiry?
And, are you sure you have not attempted to use any of the six month deferred billing options available on some websites? BML does almost all of the 90 and 180 day without interest options for A LOT of major websites.
__________________
I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else?
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04-22-2008, 09:18 AM
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#3 (permalink)
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Elite Member
Join Date: Aug 2006
Location: Way down yonder in the pawpaw patch
Posts: 499
Casino Cash: $393950
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Quote:
Originally Posted by centex
Is it a soft inquiry or a hard inquiry?
And, are you sure you have not attempted to use any of the six month deferred billing options available on some websites? BML does almost all of the 90 and 180 day without interest options for A LOT of major websites.
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Hey Centex,
It is a hard inquiry. No, haven't bought anything and used deferred billing. I do buy a lot online but I use my debit card for that, paying in full.
__________________
Learn to have an attitude with gratitude
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04-22-2008, 10:23 AM
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#4 (permalink)
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HONORED GUEST
Join Date: Jul 2006
Location: Austin-area
Posts: 2,648
Casino Cash: $380700
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you can go to the BML website and do some digging...I forget what was involved to create the user account- its been too long since I set up my online access.
They do have contact information on the website, but I have no idea whether it is someone in the US or if you have to get offshorians to understand the concept of an inquiry question...
It actually isn't a bad line to have since it remains a hidden line of credit...great for airfare if you don't have a rewards card to put it on since you can then defer the travel expense for 180 days. And, sometimes, even with a rewards card, it is convenient to simply be able to hide the expenses...
__________________
I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else?
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04-22-2008, 03:05 PM
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#5 (permalink)
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If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,410
Casino Cash: $1010950
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Quote:
Originally Posted by Lucy
Hey Centex,
It is a hard inquiry.
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Contact Citi - not the CRA. 
__________________
How come "phonetically" is spelt with a "ph"?
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04-22-2008, 05:12 PM
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#6 (permalink)
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HONORED GUEST
Join Date: Jul 2006
Location: Austin-area
Posts: 2,648
Casino Cash: $380700
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Quote:
Originally Posted by jlynn
Contact Citi - not the CRA. |
Citi has nothing to do with it...she is talking about CIT (the same people that do the Dell financing).
__________________
I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else?
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04-22-2008, 08:34 PM
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#7 (permalink)
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If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,410
Casino Cash: $1010950
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Quote:
Originally Posted by centex
Citi has nothing to do with it...she is talking about CIT (the same people that do the Dell financing).
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 saw the CIT and just skimmed.
__________________
How come "phonetically" is spelt with a "ph"?
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