mte cash loan

You might want to review your reports for any incomplete or inaccurate reporting

I'm doubtful though, that any of your TL's are correct anyway, it seems both the furnishers and CRA's make them worse and worse before deleting, so it's not likely they'll get it straight anyway.

Since your DH has an open account with them then they have permissible purpose to conduct an account review...A hard is typically what you do when you are considering an offer of credit...I would call and have them re-code it to a soft inquiry.

Number of accounts historically paid as agreed

My wife has two CAP 1 chargeoffs. One was settled for a partial amount of the balance . The other was charged off for 195.00.