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Frequent Contributor
Posts: 420
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 691 EX 663,
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Epic Contributor
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
Posts: 420
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 691 EX 663,
Discover IT 1700, Freedom 9500, Slate 4800, Amazon CC 4000, Marriott rewards 7000, AMEX Green NPSL, Walmart 3300 barclays rewards 2950, US AIR 4000, MAC 3000, Lowes 7000 Care Credit 5000, AMEX green, Walmart MC 1200
Frequent Contributor
Posts: 420
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 691 EX 663,
Discover IT 1700, Freedom 9500, Slate 4800, Amazon CC 4000, Marriott rewards 7000, AMEX Green NPSL, Walmart 3300 barclays rewards 2950, US AIR 4000, MAC 3000, Lowes 7000 Care Credit 5000, AMEX green, Walmart MC 1200
Valued Contributor
Posts: 1,541
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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Epic Contributor
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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