hard inquiry from 24 ACESS??

gypsysoul · ‎09-02-2011

I pulled an EX report yesterday and noticed a new hard pull from 24 Acess(CA)from 07/05/12. I searched the boards here and am still not clear if this is allowed or not. Can a collection agency do a hard pull without my permission?? This could be any one of a few past-SOL TLs that are just a month or two from falling off my reports. I only had three total baddies, two of which have just vanished a few months early from EQ but not EX yet and not sure about TU yet. My guess is that this company may have purchased a debt from whoever, but can they do a hard pull like that??? What, if anything, can I do about it?

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655

rckstrscott · ‎04-25-2011

Any company who has an account on you has pemissible purpose to pull your credit, and it could result in a hard pull..

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

pizzadude · ‎01-28-2010

rckstrscott wrote:
Any company who has an account on you has pemissible purpose to pull your credit, and it could result in a hard pull..

-scott

+1. This includes both original creditors as well as collection agencies.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

gypsysoul · ‎09-02-2011

thanks guys. so we are just to assume they bought an old debt?

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655

pizzadude · ‎01-28-2010

gypsysoul wrote:
thanks guys. so we are just to assume they bought an old debt?

Yes, that would be my guess, and I would expect a call and/or dunning letter from them sometime soon.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

Rebuilding Your Credit

hard inquiry from 24 ACESS??

Re: hard inquiry from 24 ACESS??

Re: hard inquiry from 24 ACESS??

Re: hard inquiry from 24 ACESS??

Re: hard inquiry from 24 ACESS??