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Dynamic Recovery Solutions

Valued Contributor

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.

"I am become death, the destroyer of worlds"
Message 11 of 18
Moderator Emeritus

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+
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!

June 2017 update: All scores over 820, just pure gardening now.
Message 12 of 18
Valued Contributor

Re: Dynamic Recovery Solutions

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

"I am become death, the destroyer of worlds"
Message 13 of 18
Epic Contributor

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.

Message 14 of 18
Moderator Emeritus

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.  Smiley Happy

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 15 of 18
Valued Contributor

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.

"I am become death, the destroyer of worlds"
Message 16 of 18
Regular Contributor

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+ Smiley Happy


Take the myFICO Fitness Challenge
Message 17 of 18
Highlighted
Epic Contributor

Re: Dynamic Recovery Solutions

Message 18 of 18