Hoping that someone can either 1) reassure me or 2) give me some type of direction or advice I got a pull on my CR yesterday from Lighthouse Recovery. When I called to ask WHY they pulled, they told me that I had an old Ballys account that I defaulted on and they bought the account. (they stated that this was in 2004, but I had my membership in 2006) Initially I was a bit confused only because I know I paid in full my account for the duration of my membership... Ballys never asked me for this or anything, so I didn't know there was ever an issue. So, when I began the rebuild in 2009, and pulled my credit report and saw the Ballys account on there. Well, I disputed it on all the CR's, and it was removed. No problems, and it never came up again. Fast forward to now... to have this come up again... I mean... GEEESZH! When I talked to the guy, I asked that the debt be validated. He said "Well you can call Bally's and ask them what it's all about, and I'll hold off on pursuing this for now... I'll give you until Monday" Monday??? Really??? Again, I told him to please get validation of the debt to me ASAP. which he agreed to. And thats that. What are your thoughts on this? The fact that it was easily removed from my CR, and that I've gotten no communication from Bally's regarding it, makes me wonder. And when I asked him why he pulled my CR, he stated that Bally's couldn't get in contact with me because I'd moved. Which I did... but very recently. And again, they STILL hadn't contacted me or anything. I had all the payments auto debited from my checking account, so I do have record of them, so I shouldn't owe Bally's a single dime! Thoughts? Advice? Anyone??? How should I approach this? Thanks so much!
Starting Score: 08/01/2009 584
Thank you, duly noted. I didn't tell them anything at all. The SOL for written contracts in IL is 10 years... BUT I know for a fact that this isn't even anything that I owe. I'll attempt to call Bally's and see what they told the CA. The CA hasn't even put it on my report however, I just saw the pull. I guess I should wait and see what they do before doing anything though? Thoughts?
@Booner72 wrote:Was it a hard pull? Is that how you saw it?
Yes, it was a hard pull... which is part of the reason why I'm so upset about it!
I couldn't possibly imagine where that contract would be. I'm sure I could possibly dig it up out of some old crate if I'm lucky, but who knows. You'd think that after the 2 years was up, and they stopped charging you, there wouldn't even be any more issues with it right? Hopefully, it's not a case of fraud though. I'd agree with that for sure. I'm wondering too though if I should just wait for the initial creditor contact? I called them and asked them why the hard pull.... They haven't even sent me anything about it. I requested something be sent to me though. Which seemed to catch the guy off guard. I hope that didn't do anything wrong, but I think I have the right to know of WHY someone was pulling or requesting my credit unauthorized.