Cant seem to find my answer on here. Help please

[Anonymous]

Can a Collection Company or Junk Debt buyer put a hard pull on your credit report? I know I had saw that on here some where but cant seem to find it when I need it. I have like 66 hard inquires on my Equifax report but have only applied to like 8 of them. A few look like collection agencies and junk debt buyers.

[cadavis0609]

I don't know if they're supposed to but I had the same situation you did, I paid off all of my collections and every collection company inquiry fell off the same day, don't know what to make of that. Anyone else heard of this?

[Boswd]

If they own it or assigned to it then yes then can.  Stinks but they can

[Anonymous]

Thanks Boswd,

Is there a limit to how often they can pull. The ones I paid off and had deleted are still pulling my credit reports like every other month and sometimes in the same month. This is not right I will never get approved for credit at this rate. I cant add any inquiries to my report because they have the numbers so high as it is. How am I supose to rebuild at this point.

Thanks,

Debbie

[Boswd]

Call them up and ask.   I would.  I would say something along the lines of , " Why are you checking my credit files every month, when I have paid you off"    I don't know if they can keep doing that  and I would dispute it with the CRA's. 

Unless they might own a different collection account for you.

[Anonymous]

as far as I know I only have 2 Collections left and they are hospital bills one is $52.00 and didn't ever receive a bill when that Collection Agentcy called I ask them to send me a bill as I had never received one and he said they appoligized and would notify the ER Doctor right away and that was a few weeks ago and I have not heard from him as of yet to be able to pay that bill I did send a letter to the CB to let them know I had never received a bill and ask for the contact info. The lady said that I would receive an updated credit report when they had made their decision in about 30 days. I thought they had to give you the contact information when you ask not like disputing. But they are with a different Collection Company than the one pulling my credit report.

Debbie

[Boswd]

If you are postive these are hard pulls and not soft pulls,   Call AND  dispute and I would threaten the CA with violations.

[Anonymous]

I coulda sworn I read on here a while back about a new law which states collection agencies cannot do hard inquiries on credit reports. Am I mistaken?

[Anonymous]

If you ask for credit, ins.or employment....hard copy. A CA does not have PP to pull hard copies!

[My_dog_FICO]

Happy - I do agree with you, but I'd love to find the FTC Statute that I can quote and send to both the CA and CRAs to get these deleted.