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Bottom feeder pull frozen credit

Established Contributor

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 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
5 REPLIES
Epic Contributor

Re: Bottom feeder pull frozen credit

Yes, they can.

 

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

Established Contributor

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 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Established Contributor

Re: Bottom feeder pull frozen credit

I may want to add this to my litigation!!


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Highlighted
Valued Contributor

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.

Scores: about 700 across the board
Total CL: $275k
Epic Contributor

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.