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phogirl69 · 05-14-2002, 05:12 PM

I used to work for Transunion for 2 years.... Chris is correct in saying that the inquiry could have been a "promotional inquiry"
where they only had access to your personal information (name, ssn, address, etc.) without viewing your actual credit history.

It's true that inquiries lower your credit score, but NOT if it was only a promotional inquiry; those are not seen by anyone. It should say on your credit report whether the inquiry is promotional or not. If ClickCash actually DID check your full report, the only way to have that inquiry removed would be to obtain a letter from Clickcash saying that it was done in error, since we don't dispute inquires at Transunion.
(don't know about the other 2 credit bureaus though)

Companies only need a "permissible purpose" to check your file.
I know that employment is one of those permissible purposes, but to be honest I forgot if they have to have your signature on file or something like that....it's been a while since I last worked there....

I forgot to add; if it was only a prmotional inquiry, companies
DO NOT need your specific authorization, since they aren't viewing your credit. They only need your authorization for a
full disclosure.

Kimmykim · 05-14-2002, 06:30 PM

Quote:

Originally posted by Chris R

What are you and 12Clicks related? You two are about the dumbest two posters on here. No matter what links are posted - you continue to spew your nonsense.

Related? No.

Quick to dog on idiots? Yes.

12clicks · 05-14-2002, 08:04 PM

Quote:

Originally posted by Chris R

What are you and 12Clicks related? You two are about the dumbest two posters on here. No matter what links are posted - you continue to spew your nonsense.

Little Chrissy is still yelling how smart he is.
is anyone hearing him?

Chris R · 05-14-2002, 08:55 PM

Quote:

Originally posted by Kimmykim

Related? No.

Quick to dog on idiots? Yes.

Well as pointed out by everyone who can read - including a former employee of transunion - you don't know your ass from a hole in the ground.

Anytime you want to challenge me on my idiocy - let me know.

I offered the same thing to 12Clicks - and he turned me down. Guess you will too.

I will make the offer even better for you $2,500 against your $1,000 I can beat you in any standard test of intelligence.

Either post a link that supports your stupid assertions (that have already been disproven) or put your money where your mouth is.

Almost every time I see you post something about a point of law - you are wrong.

"Little Chrissy is still yelling how smart he is.
is anyone hearing him?"

No - just that you two aren't. Even if I had 3/4 of a brain - I'd be better of than you two.

No matter what happens you insist you are right - even when pointed to links that say otherwise. I have only seen you own up one time - when you (AGAIN) were wrong about the guy this week and his 500 sales. You cost lensman $500

I'll make you the same offer I did before, but you have more money than she does: $2,500 to go against me and prove how smart you are.

Simple fact is - I always can back up my assertions with facts.

You two can't.

Then again, maybe I am an Idiot for wating my time with you two. I'll be in florida if either of you two want to take me up on my offer....

Kimmykim · 05-14-2002, 10:57 PM

Neener neener neener, stop your whining. You are just too easy to bait.

It gets old after a while, especially when it's not even sporting like teasing SleazyDream is.

12clicks · 05-15-2002, 06:12 AM

Quote:

Originally posted by Chris R

Well as pointed out by everyone who can read - including a former employee of transunion - you don't know your ass from a hole in the ground.

Anytime you want to challenge me on my idiocy - let me know.

I offered the same thing to 12Clicks - and he turned me down. Guess you will too.

I will make the offer even better for you $2,500 against your $1,000 I can beat you in any standard test of intelligence.

Either post a link that supports your stupid assertions (that have already been disproven) or put your money where your mouth is.

Almost every time I see you post something about a point of law - you are wrong.

"Little Chrissy is still yelling how smart he is.
is anyone hearing him?"

No - just that you two aren't. Even if I had 3/4 of a brain - I'd be better of than you two.

No matter what happens you insist you are right - even when pointed to links that say otherwise. I have only seen you own up one time - when you (AGAIN) were wrong about the guy this week and his 500 sales. You cost lensman $500

I'll make you the same offer I did before, but you have more money than she does: $2,500 to go against me and prove how smart you are.

Simple fact is - I always can back up my assertions with facts.

You two can't.

Then again, maybe I am an Idiot for wating my time with you two. I'll be in florida if either of you two want to take me up on my offer....

It must really suck to wake up every day and have your nose rubbed in the fact that for all your test taking ability you're less successful than "the dumbest two posters on here"

Did the voices in your head start before or after you found this board?

chodadog · 05-15-2002, 06:26 AM

Quote:

Originally posted by Chris R

Well as pointed out by everyone who can read - including a former employee of transunion - you don't know your ass from a hole in the ground.

Anytime you want to challenge me on my idiocy - let me know.

I offered the same thing to 12Clicks - and he turned me down. Guess you will too.

I will make the offer even better for you $2,500 against your $1,000 I can beat you in any standard test of intelligence.

Either post a link that supports your stupid assertions (that have already been disproven) or put your money where your mouth is.

Almost every time I see you post something about a point of law - you are wrong.

"Little Chrissy is still yelling how smart he is.
is anyone hearing him?"

No - just that you two aren't. Even if I had 3/4 of a brain - I'd be better of than you two.

No matter what happens you insist you are right - even when pointed to links that say otherwise. I have only seen you own up one time - when you (AGAIN) were wrong about the guy this week and his 500 sales. You cost lensman $500

I'll make you the same offer I did before, but you have more money than she does: $2,500 to go against me and prove how smart you are.

Simple fact is - I always can back up my assertions with facts.

You two can't.

Then again, maybe I am an Idiot for wating my time with you two. I'll be in florida if either of you two want to take me up on my offer....

How many woods would a woodchuck chop if a woodchuck could chop woods?

12clicks · 05-15-2002, 07:02 AM

Quote:

Originally posted by chodadog

How many woods would a woodchuck chop if a woodchuck could chop woods?

hahahahahaha

Pete and Repeat were sitting on a fence.
Pete fell off. Who was left?

Pete and Repeat were sitting on a fence.
Pete fell off. Who was left?

Pete and Repeat were sitting on a fence.
Pete fell off. Who was left?

Pete and Repeat were sitting on a fence.
Pete fell off. Who was left?

Chris R · 05-15-2002, 07:20 AM

Quote:

Originally posted by 12clicks

It must really suck to wake up every day and have your nose rubbed in the fact that for all your test taking ability you're less successful than "the dumbest two posters on here"

Did the voices in your head start before or after you found this board?

Yep - you caught me. Remember my overhead is low for living with my mom in the trailer park.

Stop being such a pussy.

You know you can't take the little boy from the trailer park.

Successful? I am comfortable with mine - and don't find it necessary to pick on others - call them liars - and then be proven an idiot.

So now I am unsuccessful and an idiot. Exactly what does it take to be successful? If it is a pure dollar amount - let me know what it is. I'd probably make you a similar offer - but you won't take me up on that either.

I don't need to take a test to show you two are idiots - you do that by refusing to respond to any real posts.

KK does it with ease just by opening her mouth. Anyone who reads this thread can see she doesn't have a clue.

I just thought I would give you a chance.

Stop being such a wuss and take me up on one of my offers.

12clicks · 05-15-2002, 08:56 AM

Quote:

Originally posted by Chris R

I don't need to take a test to show you two are idiots - you do that by refusing to respond to any real posts.

Your posts are not real. Just because the voices tell you you've made a point, just because the voices say you're smart, just because you're able to type "I'm smarter than you" doesn't make it so.

You'd go completely unnoticed here if not for you incessant screams of "look at me, I'm smarter than 12clicks"

I don't mind you basking in the light that reflects off of me. Really I don't. Anyone who has all 6 personalities screaming for attention deserves a break.

Everyone, please pay attention I'd like to make an announcement:

"ChrissyR is smarter than I am"

As you see Chrissy, the world is still the same as it was 5 minutes ago for all of us. Hopefully, this has satisfied the voices in your head so that you can find some peace.

05-14-2002, 05:12 PM	#51
phogirl69 Confirmed User Join Date: Jul 2001 Posts: 3,330	I used to work for Transunion for 2 years.... Chris is correct in saying that the inquiry could have been a "promotional inquiry" where they only had access to your personal information (name, ssn, address, etc.) without viewing your actual credit history. It's true that inquiries lower your credit score, but NOT if it was only a promotional inquiry; those are not seen by anyone. It should say on your credit report whether the inquiry is promotional or not. If ClickCash actually DID check your full report, the only way to have that inquiry removed would be to obtain a letter from Clickcash saying that it was done in error, since we don't dispute inquires at Transunion. (don't know about the other 2 credit bureaus though) Companies only need a "permissible purpose" to check your file. I know that employment is one of those permissible purposes, but to be honest I forgot if they have to have your signature on file or something like that....it's been a while since I last worked there.... I forgot to add; if it was only a prmotional inquiry, companies DO NOT need your specific authorization, since they aren't viewing your credit. They only need your authorization for a full disclosure. Last edited by phogirl69; 05-14-2002 at 05:20 PM..

05-14-2002, 10:57 PM	#55
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Neener neener neener, stop your whining. You are just too easy to bait. It gets old after a while, especially when it's not even sporting like teasing SleazyDream is.