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Simple question:
My Citibank credit card was bought by a debt recovery agency-
They ran my credit report when they purchased it, I am probably going to dispute this anyways, but i want to know if I have a shot at getting it removed. I did not authorize them to do this, and they never contacted me to ask for permission.
Next question:
I called another debtor to take a settlement of 20% on a $8000 debt, I got an email the next day from my credit monitoring that they ran a hard inquiry against my report.
Is there something that allows them to do that in this case without my express written authorization?
can a debt collector make a hard inquiry
Simple question answer:
You can contact with the credit bureaus and inform them about this matter. I hope they will best guide you to solve your problem.
Next question answer:
Anybody can do hard inquiry at any time without your permission. But hard inquiry hurts your credit score.