Posts: 14,051
Registered: ‎04-15-2011
Re: collection agency hard inquiry leagal?

Actually the answer is no.  You do have a debt with them, and it is a permissable pull.  It can be done via a SP, but some use the HP just to ramp it up a bit.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!