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LT

Joined: 30 Jan 2009
LT's page
Posts: 57

2242 Magic Points

Subject: Credit Report Inquiries

Fri Mar 13, 2009 2:54 pm

Does anyone know how long an OC has after they have charged-off a debt that they can still pull a credit report without your authorization? Is there a limitation? And does your credit report have to show that they are pulling an unauthorized inquiries for that specific purpose?

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Fri Mar 13, 2009 3:57 pm

I would imagine as long as you owe them the debt they can continue to pull your report. I am not sure of this but I think thats how it works, someone may know better so hang in there.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Sat Mar 14, 2009 7:08 am

Yes, normally once your debt is charged off by the original creditor, it is sold off to a collection agency. Now, the Original creditor can pull out your credit report so long as the debt is with them. Once they sell it off, they are not longer authorized to pull out your report. Moreover, if the original creditor pulls out your report without your authorization and it gets listed in your report as a hard inquiry, it can be removed.
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fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sat Mar 14, 2009 1:00 pm

To remove a hard inquiry you would have to go through the credit bureaus to have it removed. If you feel someone is pulling your report that does not have the right then you can dispute it. Now if they are the most recent collectors of the deb then they have every legal right to pull your report. Look on your credit report and see if they are still the owners of the account by checking the data. Hard inquirieas can damage your score.

LT

Joined: 30 Jan 2009
LT's page
Posts: 57

2242 Magic Points

Sat Mar 14, 2009 2:00 pm

I have filed suit against the OC they were given the chance to state the reason they pulled the report. I go to court next month, I will keep everyone up to date.

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