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Regular Contributor
gypsysoul
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
rckstrscott
Posts: 2,660
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
Moderator
pizzadude
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
gypsysoul
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
Moderator
pizzadude
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

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