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trinigal wrote:Are you aware that you have any outstanding collections that maybe you might have missed that you thought you paid, or that you forgot about, that you have not yet seen posted on your CR?
That's why I asked the questions I asked earlier. For a soft pull, and you know you don't have anything unpaid, I'd leave it alone.
Revike wrote:
Just my opinion, but I wouldn't call just based on a soft pull if I was certain I had no lurking collections.
But it's a matter of personal preference, since possible outcomes are just speculation ...
ktl55 wrote:Should I be concerned about a ca doing a soft pull? Should I call them, if I do call them will they starting killing me on my work or cell phone? I don't have anymore debt unpaid, everything was paid in full.
I dialed using *67 and without *67 using the phone #'s on their website and the ones I got from BBB and I get either the number is out of service or a fast paced busy signal. I'm glad I didn't get through after reading revikes post. Their isn't a number reporting on my cr only their addy.
trinigal wrote:That's why I asked the questions I asked earlier. For a soft pull, and you know you don't have anything unpaid, I'd leave it alone.
Revike wrote:
Just my opinion, but I wouldn't call just based on a soft pull if I was certain I had no lurking collections.
But it's a matter of personal preference, since possible outcomes are just speculation ...
Noah_Bodie wrote:The nice thing about soft pulls by a CA, they know what's on your CR and perhaps they are lurking and lying in wait to try and decide whether their B.S. claim is worth dropping on your CRs. Since you know they are there, but they don't know you know, you have an advantage.If you know with certainty there is nothing out there lurking from years ago, then you could hit them with a PMS letter (Pay Me Sucker). Whether hard or soft INQ, if they don't have PP then they are in violation.I'm sufficiently disagreeable that I'd probably do it. But that's just me.A less confrontational option would be to keep an eye on them, and maybe pull your CRs once a week or once a month to see if any new COLL show up. Note the address of the CA, file it away, and print off a hard copy of your CRs just in case the CA decides to delete the INQ.I believe the SOL on FCRA violations is 2 years. Maybe after 18 months, then hit 'em with a PMS letter.
Or you could do that
See Noah, I'm just not that clever. I learned something new today