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CA Hard Pull?

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RCOH
Regular Contributor

Re: CA Hard Pull?

Guess they were not correct then.
Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+
Message 11 of 12
guiness56
Epic Contributor

Re: CA Hard Pull?

IMO, the poster just got lucky.  FDCPA states it has to be in writing.

 

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Message 12 of 12
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