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@Saffyreblue wrote:
Check out this thread in the Rebuilding Credit forum....new FCRA rules..... they more clearly define Permissible purpose... http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=14588
If you didn't go flippy, could you please refer me to that section if you find it again?
Wonderin wrote:
Side note: Have I gone flippy or did I REALLY read somewhere in the new FCRA that a CA for a medical debt does not have PP? Can't remember what section I was reading ... :/
nathan
To answer your original question, can a Collection Agency pull your credit report and have the credit bureau place a hard inquiry on your report.
This is a little difficult to express any opinion based on the information that you provided.
Did you have a contract with a financial institution to obtain money or services that you failed for whatever reason to make full restitution??
If so, than the Collection Agency is not in violation of the FCRA, which was underscored by Robert EG.
As for the opinion of the Ninth Circuit Court on Pintos v Pacific, which was remanded back to the District Court for further review of its decision based on the Brief’s that were submitted at trial. This, in no way makes for precedent as to whom my pull ones credit report based on this opinion alone. One would need to read thoroughly the Brief’s that were submitted in the original District Court Case and the Brief’s that were submitted to the Circuit Court. In addition, what, if anything, happen with this case that was remanded back to the District Court.
It’s a little premature to believe Pintos v Pacific has set a legal precedent and it’s highly unlikely that any Court would grant “legal standing” to a Plaintiff seeking relief from a Collection Agency or the Credit Bureau based on the Circuit Court Opinion alone.
nathan
Collection Agencies only come in to your financial life when you default on a previous financial agreement or contract, ie: credit card, mortgage, or car loan.
So the question still remains, did you default on any financial obligation??
I understand by your post that you do not want to speak with anyone with the collection agency. It would seem to me that would be the first step to take to find out more information as to why the inquiry was placed on your credit report. You have the legal right to request “Validation” of the debt.
There are many reason one should request validation. The most important “is the debt legally yours”, there may be many names the same as yours in your State and the debt may belong to someone else. Other issues would be: Is the debt within the statue of limitations of your resident State?? Are you a victim of Identity theft???
One thing you should understand when speaking with the collection agency, never provide your DOB, SSN or other financial information. They are very good in provoking someone to provide additional information. All they need is your request for validation and provide them with your name and current address. “THAT’S ALL” I would also request that they cease calling you and you will only respond to this matter in writing.
At the very least, you will have a paper trail should the need for further action be required.
Cleanmachine wrote:nathan
Collection Agencies only come in to your financial life when you default on a previous financial agreement or contract, ie: credit card, mortgage, or car loan.
Cleanmachine wrote:
Collection Agencies only come in to your financial life when you default on a previous financial agreement or contract, ie: credit card, mortgage, or car loan.
Cleanmachine wrote:
The most important “is the debt legally yours”, there may be many names the same as yours in your State and the debt may belong to someone else.
Edited because on re-reading, I was a bit terse.
Please do not assume that the only reason someone has to deal with a collection agency is because they have defaulted on a financial agreement. I know from your own words quoted above that you know this isn't true.
Even the collection agency involved in the Pintos case discussed earlier in this thread had nothing to do with a "previous financial agreement."
UpUpUp
I stand by my statement with the exception of taking out the word “YOU’ and inserting the word “ANYONE”. Please read the entire post.
cheddar
Not exactly know what you mean when you state “Edited because of re-reading, I was a bit terse”. Do you know how to break down the word “ASSUME”. Am I to assume that anyone that replies to a Post must be careful not to cause any adverse feelings to a moderator?
I personally did not appreciate the remark and find it to be totally unprofessional, especially since it appears you are a moderator.
I will no longer post opinions on this site.
PS You are taking the Opinion of the Pintos Case way out of context.