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can a collection agency look at my credit report

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scrib27

Joined: 07 Apr 2007
scrib27's page
Posts: 2

143 Magic Points

Subject: can a collection agency look at my credit report

Sun Apr 08, 2007 4:35 am

I have been trying to clean up my credit. So I have got copies of all three of my credit reports. On my Transunion report it shows that NCO Financial requested a copy of my report it says that it will stay on my report for 2 years. I know that it does not affect my score that much but are they even allowed to get a copy of my report? I have not signed anything allowing them to. They have sent me a letter and been calling me about a 7 year old account lately. what should I do?

stanley
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stanley

Joined: 23 Feb 2007
stanley's page
Posts: 54

3357 Magic Points

Tue Apr 10, 2007 9:44 am

Collection Agencies may pull your credit report, sometimes you agree to this while obtaining the credit from the original creditor.

Which state are you from? Check if the account is within SOL or not? If it has crossed the SOL span, no one can force you legally to pay it; it's your decision whether to pay it or not.
_________________
Stan
BTW, I am not a lawyer, I am here to share what Life has taught me.

nick
Guest

Subject: response

Fri Jun 08, 2007 7:19 pm

Most agencies run a credit score on each consumer which reflects as an inquiry on your credit report.

Like to Know
Guest

Fri Jun 29, 2007 10:25 am

SO in that case it does not hurt our credit report i guess? Nick does my score fall by some points?

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 582

11 Magic Points

Fri Jun 29, 2007 9:13 pm

If it posts as a hard inquiry, then it will cost you 2-4 points per inquiry.
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I don't dream since I quit sleeping

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: CA

Wed Aug 22, 2007 3:33 pm

In my experience, a CA CAN 'add', an account to your report, but, I don't know if they can actually look at it. They DO 'update' things every month. If you get your credit reports, and look at the right OR right below the account, it will tell you a 'drop-off' date. This date is when the account will ACTUALLY come off your credit. Is the account paid or not paid yet??

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 582

11 Magic Points

Wed Aug 22, 2007 3:37 pm

Many contracts you sign with a creditor expressly permit not only the creditor to view your CR, but also CAs.
_________________
I don't dream since I quit sleeping

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Fri Aug 24, 2007 6:05 am

Its always commendable to read the contracts throughly. People hardly do that or fail to understand. Be careful.
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Regards,
Laura.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: Collection agencies

Fri Aug 24, 2007 11:17 am

I do have to admit, too many people ( as myself) want to 'scam' through contracts and don't want to read them all the way through. SOOO important to do that!!

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