Rebuilding Your Credit

[valley_man0505]

I have seen posts regarding contacting companies to have them remove inquiries if they did not have a "permissible purpose" for the inquiry.  However, I have been digging around for a while now and have not found a definition for "permissible purpose".  Are collection agencies allowed?  I have noticed some collection agency inquiries on my reports.

[llecs]

See Section 604 of the FCRA:

http://www.ftc.gov/os/statutes/031224fcra.pdf

Section too long to post.

[gonoles]

So I tried to read that and it's just not in my language. So are CA allowed to do a hard inquiry?

[cheddar]

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gonoles wrote:
So I tried to read that and it's just not in my language. So are CA allowed to do a hard inquiry?

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Opinions differ.  Some say yes.  Some say no.

The Ninth Circuit recently ruled that a CC does not have PP when collecting on a non-credit-related transaction.

Otherwise, the general consensus is that they probably do.  Although as I said, opinions differ.

[gonoles]

Thanks- that explains why I had trouble! Have people had success disputing hard inquiries from CA's? DH has 8 on his (all from 1 year ago). Worth my time?

[gonoles]

Sorry, let me clarify... Not disputing but sending letters to the CA's to remove.

[cheddar]

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gonoles wrote:
Sorry, let me clarify... Not disputing but sending letters to the CA's to remove.

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Worth your time?  Probably not.  Inquiries greater than one year old don't affect your score.

Some people have had success sending a non-PP letter to a CA.