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Debt collectors have permissible purpose to pull a consumer's credit report without any need for any express authorization from the consumer.
They will often code such inquiries as soft in order to conceal them from normal credit reports received by a consumer.
You can, however, see debt collector soft pulls by ordering your complete report from annualcreditreport.com, which is limited only to consumers pulling their own reports, and thus can include soft as well as hard inquiries.
A debt collector can choose to wait in their collection activities until they have determined that the consumer may now be in a financial position to pay the debt.
If you are aware of unpaid collections, I would first check your records to determine the approximate DOFD, and thus get an idea of how long they could possible still report.
No collection can continue to appear in your credit report beyond 7 years plus 180 days from the DOFD.
Sometimes it's a catch 22 when you're rebuilding and you're credit profile goes from being stagnant to showing improvement. Creditors know that you're now ripe for the picking cause you care about how your credit report look.
If you're not applying for anything, take care of the collections as you can, assuming that the CAs are not threatening litigation.
@RobertEG wrote:Debt collectors have permissible purpose to pull a consumer's credit report without any need for any express authorization from the consumer.
They will often code such inquiries as soft in order to conceal them from normal credit reports received by a consumer.
You can, however, see debt collector soft pulls by ordering your complete report from annualcreditreport.com, which is limited only to consumers pulling their own reports, and thus can include soft as well as hard inquiries.
A debt collector can choose to wait in their collection activities until they have determined that the consumer may now be in a financial position to pay the debt.
If you are aware of unpaid collections, I would first check your records to determine the approximate DOFD, and thus get an idea of how long they could possible still report.
No collection can continue to appear in your credit report beyond 7 years plus 180 days from the DOFD.
Thanks RobertEG
@Anonymous wrote:
Sometimes it's a catch 22 when you're rebuilding and you're credit profile goes from being stagnant to showing improvement. Creditors know that you're now ripe for the picking cause you care about how your credit report look.
If you're not applying for anything, take care of the collections as you can, assuming that the CAs are not threatening litigation.
Thanks kaykay65 im not trying to apply for anything right now. im just trying to get a good profile long term, its like i take care of 1 and 3 more are added. I guess it can be frustrating but i never really cared as much as i do now too.
@rmduhon wrote:
Just deal with them one by one and eventually you'll get to the end of them. Slow and steady wins the race.
Yea i keepy trying to remind myself that all the time.... thanks! I need patience lol
@sparklerd34 wrote:
@rmduhon wrote:
Just deal with them one by one and eventually you'll get to the end of them. Slow and steady wins the race.Yea i keep trying to remind myself that all the time.... thanks! I need patience lolI
I feel your pain. I have one CO and 1 late payment still on my reports and they will fall off later on in the year and I feel like I need patience too cause nothing going to make them disappear except time.
@rmduhon wrote:
That's why hubby will have nothing to do with rebuilding our credit. The man has no patience at all
I understand. i did that but eventually i needed credit and i didnt want to be biting my names for a yes or no.