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Valued Contributor
Posts: 1,203
Registered: ‎04-22-2013
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Re: Dynamic Recovery Solutions


guiness56 wrote:

That depends.  State SOL has nothing to do with reporting.

 

If the CRTP (7.5 years past DoFD) is expired, no they cannot.  If it hasn't, yes they can.


Ok thanks! that clears up a lot! The account is way pass CRTP, 10 years since DoFD.

 

It makes no since that they can HP even though it's pass CRTP.

     
Moderator
Posts: 13,881
Registered: ‎04-15-2011
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Re: Dynamic Recovery Solutions


guiness56 wrote:

Yes.  A cease and desist just means they cannot contact you personally.  It does not take away their PP for pulling your CR.

 

Depending on your state laws, they may or may not be able to pull your CR after SOL has expired.

 

What is continuously? 

 

 


Absolutely true.  However most will give up on the account due to the fact they can't collect.  Not that it couldn't be resold to another CA though.  

Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Valued Contributor
Posts: 1,203
Registered: ‎04-22-2013
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Re: Dynamic Recovery Solutions

I don't know what's the point of them doing a hard pull for?

     
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: Dynamic Recovery Solutions

They think it will get you to pay the debt so they will stop messing with your CR.

 

How many times, over what period of time, have they pulled your report?  Too many times is a very short period could be construed as harassment on their part.

Moderator
Posts: 13,881
Registered: ‎04-15-2011
0

Re: Dynamic Recovery Solutions


guiness56 wrote:

They think it will get you to pay the debt so they will stop messing with your CR.

 

How many times, over what period of time, have they pulled your report?  Too many times is a very short period could be construed as harassment on their part.


Excellent point maam.  :smileyhappy:

Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,203
Registered: ‎04-22-2013
0

Re: Dynamic Recovery Solutions


guiness56 wrote:

They think it will get you to pay the debt so they will stop messing with your CR.

 

How many times, over what period of time, have they pulled your report?  Too many times is a very short period could be construed as harassment on their part.


This is the first time I noticed it on there, only on EQ. We'll see as time progresses if they keep trying or what not. I hate JDB's.

     
Regular Contributor
Posts: 231
Registered: ‎03-09-2013
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Re: Dynamic Recovery Solutions

I had the same thing happen to me in April. I've drafted a letter disputing the inquiry and am planning to send it this week. The DoFD on my account was about 10 years ago, they are barred from reporting due to the age so that should include being barred from hard inquiries which other potential creditors can see and which negatively effect my score. There is absolutely no reason why Dynamic Recovery Solutions can not code the inquiry as a soft pull. 



Starting Score: FAKOs EQ 537 TU 497 EX 517
Current Score 7/11/13: FICOs EQ 650 TU 659 EX 655
Goal Score: 675 Who am I kidding? Goal Score: 750+ :smileyhappy:


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Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: Dynamic Recovery Solutions

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