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Frequent Contributor
907grown
Posts: 261
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.
img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC
Starting Score: 460
Current Score: EQ 638, TU 660, EX 639,
Goal Score: 750
Moderator
guiness56
Posts: 22,408
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: 261
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?
img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC
Starting Score: 460
Current Score: EQ 638, TU 660, EX 639,
Goal Score: 750
Frequent Contributor
907grown
Posts: 261
Registered: ‎08-09-2009
0

Re: Bottom feeder pull frozen credit

I may want to add this to my litigation!!
img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC
Starting Score: 460
Current Score: EQ 638, TU 660, EX 639,
Goal Score: 750
Valued Contributor
madmann26
Posts: 1,430
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: 22,408
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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