junk debt buyers

[chevyman]

Can they pull your CR without your approval

[TrishN]

yes and No .But you have to fight to remove that inquiries

[guiness56]

Yes they can.  Whether it is within or out of CRTP or suing SOL they do have permissible purpose to do a hard pull in the attempt to collect a debt.

[Shogun]

+1

Yes they may pull your credit without your permission, and there's nothing that states if it has to be a hard or soft pull.

[RobertEG]

Parties dont need prior consumer permission if their inquiry has a permissible purpose.  That is the entire basis for FCRA 604.... to identify permissible puroses that dont requrie explicit consumer approval.  The purpose becomes the approval for inquiry.   Otherwise, the credit industry would come to a crawl.

If a debt collector, they have clear permissible purpose of collection on the debt, provided they have legitimate collection authority.

A debt collector who has purchased the debt unquestionably has collection authority.

[426MW]

Wouldn't this CA need to be listed on your report?  I've got a shotgun pull from last year but no CA with that name.

[guiness56]

No, they don't have to be listed.  Just having the debt in their company provides them with PP.

[jordanmedical]

Robert, you mention they have PP if they purchase the debt. What if they don't own it but are just collecting on it?

[Crossdivided]

Wouldnt matter...'permissible purpose' basically just boils down to any 'good reason to'

[chevyman]

So like they can look at it and see if there are debts they can buy