topic Re: Why does the same collection keep doing soft pulls on my credit in Rebuilding Your Credit

Why does the same collection keep doing soft pulls on my credit

Anonymous — Sat, 25 Jul 2015 12:23:25 GMT

I have 2 soft pulls from the same collection. I don't want to call them and they are located in florida. I am located in CT. most of my previous collections were either from NY or CT. why don't they just call or mail me the bill to my house. I am also afraid to call because since they are doing soft pulls it might be a huge bill. The dates of the soft pulls are in Sept 2013 and Dec 2014. All this info came from annual credit report .com

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Sat, 25 Jul 2015 15:11:52 GMT

They are waiting to pounce and find an opening. Beware. If they're soft pulling your file, you're still on their rader. Best to work something out if you can and it's not out of the SOL date or a judgement.

Re: Why does the same collection keep doing soft pulls on my credit

gdale6 — Sat, 25 Jul 2015 17:16:44 GMT

Research your "Collection Score" each year model of Fico has one.

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Sat, 25 Jul 2015 19:46:46 GMT

@Anonymous wrote:
I have 2 soft pulls from the same collection. I don't want to call them and they are located in florida. I am located in CT. most of my previous collections were either from NY or CT. why don't they just call or mail me the bill to my house. I am also afraid to call because since they are doing soft pulls it might be a huge bill. The dates of the soft pulls are in Sept 2013 and Dec 2014. All this info came from annual credit report .com

Some CA's hire a skip tracer to soft pull your report from time to time in order to locate you. It's possible that the CA does not have your current address, so they look for clues in your credit reports, local credit union accounts, utilities, etc will tip them off os to your general location.

Skip tracing can be expensive so the CA probably thinks they have a good chance of collecting from you.

Re: Why does the same collection keep doing soft pulls on my credit

RobertEG — Sat, 25 Jul 2015 20:10:40 GMT

They may wish to see your currernt credit standing, which will give an idea of whether beginning active collection will likely prevail.

They could also be contemplating legal action, and wish to get an idea whether there is money to be had.

You are fortunate it is only a soft pull, as they have permissible purpose and can pull as hard.

You do not have to wait for them to call or send dunning notice before requesting debt validation.

You can send a DV at any time should you wish to invoke a cease collection bar.

If you do send a DV, I would be sure to also include a request for the name of the OC, which should assist in determining whether the debt is legit.

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Sat, 25 Jul 2015 22:03:05 GMT

Wow a lot of serious information. The last soft pull that they did was in DEC 2014 and my TU fico was 595. In February 2015 finally my dispute worked and had a few baddies removed and managed to save up and wipe my credit free of collection(PAY FOR DELETE) and pay down my credit card debt ratio from 105% all the way down to 3%. My TU fico today is about 700. I still have a charge off and a 120 late student loan.

However if they compare 2015 credit report to the 2014 they will know that I have regained control of my financial life. I really hope it is not a large bill but these ppl are serious dept collectors. They even have there own website where you can set up a user account and view when your payments update on your account. Kinda crazy.

Also I have 4 different address on my credit file the rest are uncles/Aunts who consigned for me for a credit card.

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Sat, 25 Jul 2015 22:10:38 GMT

This is their website. I read somewhere that there annual revenue is 12Million - 22Million

I hope someone here has heard of them if any history please advise me anything. Thank you all

https://client.mafcollection.com/facsweb/webloginc.htm.

Re: Why does the same collection keep doing soft pulls on my credit

mwlcolorado — Sun, 26 Jul 2015 08:16:48 GMT

Portfolio Recovery has been doing soft pulls on me at least 3-4 times a year for a debt from 2002(way outside the SOL.) I'm not too concerned. About once a quarter, they send me a settlement letter and I usually get a phone call every 6 months. I've contemplated a couple times about settling with them (it's only $120ish) but then I think back to all the illegal crap they pulled and harassment I endured and just decided to say screw it. Since it's out of the SOL, there isn't much they can do. They can keep doing soft pulls and sending letters and I can keep putting them in the shred pile.

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Sun, 26 Jul 2015 09:17:51 GMT

Wow they did 3-4 soft pulls for $120-$300. I am now starting to think that this is a old bill or if not it is the wrong bill. This collection has to do with merchants and the only debt that I had was medical.

I knew it if this bill was in the thousands I am sure I would get all that harassment attention

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Sun, 26 Jul 2015 10:53:29 GMT

@Anonymous wrote:
Wow they did 3-4 soft pulls for $120-$300. I am now starting to think that this is a old bill or if not it is the wrong bill. This collection has to do with merchants and the only debt that I had was medical.

I knew it if this bill was in the thousands I am sure I would get all that harassment attention

Kep in mind that debt collectors typically pay $.03 on the dollar for your debt, so just about any amount they collect is profit.

Is your debt past the SOL? if so, you can send them a cease and desist letter which in turn will stop the soft pulls, as you take away their hopes of collecting on it.

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Tue, 28 Jul 2015 00:07:56 GMT

They soft pull my credit every month for a debt that I successfully deleted from my CBR's since I should never have been listed as an authorized user (my ex-spouse gave the original creditor permission to speak with me on the account and they added me as a user...).

It really upsets me that they have the right to review my credit profile even though I have no legal responsibility for the debt they are chasing.

If I opt-out, will it reduce their ability to pull my credit?

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Tue, 28 Jul 2015 01:12:26 GMT

@Anonymous wrote:
They soft pull my credit every month for a debt that I successfully deleted from my CBR's since I should never have been listed as an authorized user (my ex-spouse gave the original creditor permission to speak with me on the account and they added me as a user...).

It really upsets me that they have the right to review my credit profile even though I have no legal responsibility for the debt they are chasing.

If I opt-out, will it reduce their ability to pull my credit?

Try sending them a cease and desist CMRRR

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Tue, 28 Jul 2015 01:38:29 GMT

Good advice Ahmed and kudos to you . I'm going to send that letter. They have my address and phone number and have never contacted me so I honestly feel like they are just soft pulling to snoop and see if they can obtain info on my ex-spouse. There is absolutely no paper or verbal support for them to pursue me legally.

I honestly feel like these tactics should be illegal and that they have no right to access my report. I'm opted in so I know I can't bar companies and thought that opting out would alleviate the actions of this horrible company.

Re: Why does the same collection keep doing soft pulls on my credit

NichelleN — Tue, 28 Jul 2015 02:30:37 GMT

@mwlcolorado wrote:
Portfolio Recovery has been doing soft pulls on me at least 3-4 times a year for a debt from 2002(way outside the SOL.) I'm not too concerned. About once a quarter, they send me a settlement letter and I usually get a phone call every 6 months. I've contemplated a couple times about settling with them (it's only $120ish) but then I think back to all the illegal crap they pulled and harassment I endured and just decided to say screw it. Since it's out of the SOL, there isn't much they can do. They can keep doing soft pulls and sending letters and I can keep putting them in the shred pile.

Portfolio started soft pulling my file in May when I applied for a few cards. Since that date they soft pulled me almost every other day for two weeks straight. The last time I pulled a full report they were still doing soft pulls, though not as frequently. I haven't dealt with PRA in many years and panicked at first. But I have received no phone calls and no letters. So, I'll just let it be for now I guess. I have no collections. I honestly don't know what accounts they are collecting on. I find it annoying so perhaps I'll contact them at some point.

Re: Why does the same collection keep doing soft pulls on my credit

RobertEG — Tue, 28 Jul 2015 06:17:15 GMT

There is no authority under either the FDCPA or the FCRA for sending a "cease and desist" order to a debt collector.

FDCPA 805(c) provides for sending of a cease communication letter to a debt collector, but that is limited only to their calling or writing.

It does not place a bar on their legitimate conduct of other busness activiites, such as credit inquiires.

One can, if timely sent, invoke a cease collection bar by sending a debt validation letter under FDCPA 809(b).

However, htat must be done withing 30 days of receipt of dunning notice.

Re: Why does the same collection keep doing soft pulls on my credit

Anonymous — Fri, 31 Jul 2015 18:02:52 GMT

I resolved the situation with the collectors and original creditors. One was I C Systems which was an AT&T cable box and internet modem which I paid and equipment returned back in 2012 and the other one was EOS CCA which was a medical bill that I paid in full to the hospital back in 2012 a year later when it was in process of going to collection. They closed all the account s from there system. So I'm free