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Frequent Contributor
907grown
Posts: 323
Registered: ‎08-09-2009
0

Bottom feeder pull frozen credit

I have a litigation pending with a bottom feeder for unfair debt practices, I froze my credit specifically to keep this bottom feeder from pulling it. They have pulled it, hard pulls, at least 3 times this year. This "debt I owe" is way out of SOL and they have never proven that I owe the debt. It will fall off early 2014.
I asked a question about a CLI and was told if you already have a relationship with a creditor they can pull your credit, so my question would be since I have been dealing with this bottom feeder for sometime, can they still hard pull my report for whatever reason they feel its necessary? I am wondering if they are pulling it because that's the only thing they can do to affect me in anyway.


Starting Score: 460
Current Score: EQ 672, TU 690, EX 671,
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Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Bottom feeder pull frozen credit

Yes, they can.

 

However, too many times could be considered harassment on their part.

Frequent Contributor
907grown
Posts: 323
Registered: ‎08-09-2009
0

Re: Bottom feeder pull frozen credit

What is too many? What reasonable purpose would they have to pull it anyway?


Starting Score: 460
Current Score: EQ 672, TU 690, EX 671,
Goal Score: 750
Cap 1 QS 3500, Discover IT 1200, Chase freedom 9500, Chase Slate 4800, Chase sapphire 7000, amazon store 1300, walmart 3000, barclays rewards 1650, barclays US AIR 4000, cu1 2000, MAC 3000, Lowes 3200
Frequent Contributor
907grown
Posts: 323
Registered: ‎08-09-2009
0

Re: Bottom feeder pull frozen credit

I may want to add this to my litigation!!


Starting Score: 460
Current Score: EQ 672, TU 690, EX 671,
Goal Score: 750
Cap 1 QS 3500, Discover IT 1200, Chase freedom 9500, Chase Slate 4800, Chase sapphire 7000, amazon store 1300, walmart 3000, barclays rewards 1650, barclays US AIR 4000, cu1 2000, MAC 3000, Lowes 3200
Valued Contributor
madmann26
Posts: 1,459
Registered: ‎08-30-2012
0

Re: Bottom feeder pull frozen credit

They can pull it if they have PP to do so. You can write EQ/EXP/TU and ask them to provide you with the PP given prior to the pull. They usually charge a fee for this.


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Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Bottom feeder pull frozen credit

Too many would be like 4 times a week.  4 times a year would not.

 

If you owe a debt they have PP.  However, if you sent them a timely DV and they keep pulling they are in violation of the FDCPA if they have not responded.  If it was not timely they are not.


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