- Report: #66199
Complaint Review: CCA CREDIT SERVICES - FIRST NATIONAL - LAS VEGAS Nevada
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CCA CREDIT SERVICES - FIRST NATIONAL
P.O.BOX 46101 LAS VEGAS, 89114-6101 Nevada, U.S.A.
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CCA CREDIT SERVICES - AND FIRST NATIONAL UNATHORIZED TO CHECK CREDIT AND TO SEND CREDIT CARD, THEY DROP MY CREDIT SCORS 68 POINT WHEN THEY CHECK IT WITH OUT MY PERMISSION LAS VEGAS Nevada
I am not happy because two days ago I receive a credit card from cca services, fist national. I did not athorize this credit check, nor did I order a card, I'm tring to buy a house and this credit check from cca services, first national drop my score 80 points.
I want my credit points back, I did not ask for this card. Its not fair to my kids and my wife, I need this house, these people keep e-mailing me all the time. I will sue them for my credit points, and the 30 yrs intrest that I will have to pay for them runing my credit, its not fair for them to scam.
I called 1-800-277-7056 at cca credit services and they didnt help me, they gave me the runaround I need help please help me
JEREMY
WEBSTER, Texas
U.S.A.
I want my credit points back, I did not ask for this card. Its not fair to my kids and my wife, I need this house, these people keep e-mailing me all the time. I will sue them for my credit points, and the 30 yrs intrest that I will have to pay for them runing my credit, its not fair for them to scam.
I called 1-800-277-7056 at cca credit services and they didnt help me, they gave me the runaround I need help please help me
JEREMY
WEBSTER, Texas
U.S.A.
1 Updates & Rebuttals
Tracy
Las Vegas,Nevada,
U.S.A.
Some serious questions
#2Consumer Comment
Thu, August 28, 2003
Jeremy, as a Loan Officer and someone who disputes credit issues for a living I have some questions regarding how this company dropped your Fico scores by 80 points? For one, if they did a credit check on you, you there will only be an inquiry showing on the bureaus that they pulled. Some Credit Card companies may only request one, some two, and rarely all three. Secondly, how did they ruin your credit? There has to be other issues happening right now for your scores to have dropped so many times. A lot of times, your real estate agent, the loan officer, and the lender themselves will each pull reports to establish your worthiness for lopan qualifications. You are allowed 3 inquiries within a 90 day period before it starts to affect your scores. Even if you go over that, you will have to have about 15 or more inquiries within that time frame, and even then you aren't going to drop that significantly. Thirdly, you can contact the credit bureaus to "Opt-Out" on pre-screening offers, which do not affect your credit in any way, as no one sees those inquiries except for you. This information is not revealed to anyone that has requested you reports for permissable purposes. This "Opt-Out" lasts, I believe 2 to 3 years, before you have to sign up for it again.
