No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
The FCRA permits pull of your credit report without your permission if they have a "permissible purpose," which is any of the reasons listed in FCRA 604.
An explicit permissible purpose listed under FCRA 604 is for collection on a debt.
Yes, a debt collector has permissible purpose as long as they have current, active collection authority.