Rebuilding Your Credit

[jens2angels]

I called experian last night because I have a hard pull from a robert Warner and associates from last year. I have never spoke to them, nor did I give them permission to pull a credit report. 

It wouldn't let me dispute it online, so I called experian. A rather rude lady told me that it was legit and that a collection company can pull a credit report any time they want, as a hard pull, if I owe them money and they do not need my permission. She told me I needed to call the company and have them remove it.

that just doesn't seem right to me. Anyone else have that problem? I don't even have a collection on my report from that company, or on any of my other reports. 

Also, I had a 30 dollar collection removed from Equifax, but yet when i disputed it with experian, it's somehow verified and I can't dispute it again. Are they always pains in the rear ends?

[fuzzybean]

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jens2angels wrote:

I called experian last night because I have a hard pull from a robert Warner and associates from last year. I have never spoke to them, nor did I give them permission to pull a credit report. 

It wouldn't let me dispute it online, so I called experian. A rather rude lady told me that it was legit and that a collection company can pull a credit report any time they want, as a hard pull, if I owe them money and they do not need my permission. She told me I needed to call the company and have them remove it.

that just doesn't seem right to me. Anyone else have that problem? I don't even have a collection on my report from that company, or on any of my other reports. 

Also, I had a 30 dollar collection removed from Equifax, but yet when i disputed it with experian, it's somehow verified and I can't dispute it again. Are they always pains in the rear ends?

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Unfortunately, it's legal.  Is the money owed still within the statute of limitations?

[XxRaVeNxX]

Yep, I've even heard horror stories of collection agencies repeatedly pulling people's report, upping their inquires and thereby lowering their score in a scare tactic to get them to pay..

[jens2angels]

I called the collections agency today and the girl originally couldn't even find me and when she did, she said the account was closed in march 2010 and was including in my bankruptcy. The inquiry is from march 2011, so they would have had no reason to pull my credit at all.

I called experian back and the guy told me that I need to get a letter from them saying to remove it. Seems odd to me. I don't know he they would do a pull when I no longer have business with them.

[Shogun]

While it is legal for a CA to do a HP, I do think your situation is different.  If the account was IIB, then they would have no legit reason to pull.