Reply
Regular Contributor
Posts: 157
Registered: ‎09-02-2011
0

hard inquiry from 24 ACESS??

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
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: hard inquiry from 24 ACESS??

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): 09/14: TU: 784 | EQ: 752 | EX: 784
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


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: hard inquiry from 24 ACESS??


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
Regular Contributor
Posts: 157
Registered: ‎09-02-2011
0

Re: hard inquiry from 24 ACESS??

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
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: hard inquiry from 24 ACESS??


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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.