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Question By
Dixidude39

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Just got an inquiry from SARMA. Anyone know who this might be?
I can ID who is making an inquiry (before getting a new credit card, for instance). But
does anyone recognize SARMA?

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dixidude39

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 A quick check told me its a consumer credit checking agency.  The real question is who are they checking it for.

Do some digging on the net.  Sometimes wierd names show up and you can trace them back to a name you will recognize.

I guess the industry just farms the credit checking task out like any other task.

If its a hard inquiry, it means you authorized it, either by applying for something

If its a soft inquiry, its someone you already have an existing account with just doing an update on you.  That doesnt affect your number.

There are also countless spam type outfits that do a lot of soft inquiries and that info ends up getting junk mail sent to you for pre-approved loans and stuff.  Those things arent really pre-approved.  It just means they got enough off the soft inquiry that they would like you to apply.  Put all that stuff right in the shredder is my advice.

Reply by
Dixidude39

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Thanks, Rich.  I'm new to CreditKarma.  I now realize that it's linked to a short-term condo app for a winter stay in TX. They are based in San Antonio, even though we will be staying in Houston.

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Check your credit reports (which you should be doing once a year)!! Go to annualcreditreport.com and get copies of all three credit reports.  Look them over very carefully and file disputes on all WRONG information with the credit bureaus reporting same.  They have to investigate and either verify or delete the disputed items.  It is not unusual to have errors on credit reports which is why it is important for us to monitor our reports annually.

Reply by
Dixidude39

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Thank you for this advice!

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