CA made 3 Hard Inquiries in a single day! Legal?

[haulingthescoreup]

Do a search here by clicking "advanced" and entering pintos pp.

We've done a lot of debating back and forth, and I don't know that it ever got clarified. If in fact a CA is authorized to do a hard in its efforts to collect, well, OK, I guess I could be persuaded, but 3 in one day, that's absurd. IMO, that is pure harassment, made in an effort to catch your attention.

[Anonymous]

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@haulingthescoreup wrote:
Do a search here by clicking "advanced" and entering pintos pp.

We've done a lot of debating back and forth, and I don't know that it ever got clarified. If in fact a CA is authorized to do a hard in its efforts to collect, well, OK, I guess I could be persuaded, but 3 in one day, that's absurd. IMO, that is pure harassment, made in an effort to catch your attention.

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I agree, that no matter what side of this you come down on, the fact that they did 3 in one day is just simply absurd and there is NO possible justification for that, unless they didn't actually do that and someone at the CRA screwed up, I doubt it though. Sometimes there are multiple people at a collection agency working the same file in competition almost and so each might have done it in the effort to get the ball rolling or something. Either way, you have a right to ask them to remove at the very least 2 of them even if you decide that they are entitled to inquire, good luck.

[Anonymous]

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@Anonymous wrote:

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Sometimes there are multiple people at a collection agency working the same file in competition almost and so each might have done it in the effort to get the ball rolling or something.

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Aha!  Good call, Guardian!  I looked at the addresses under the inquiries section of my credit report, and here are the 3 bad boys that appear all on the same day:

• 1 inquiry from NCC Business Services, 3733 W University Blvd, Suite 550, Jacksonville, FL

• 1 inquiry from NCC, 3733 W University Blvd, Suite 550, Jacksonville, FL

• 1 inquiry from Natl Collection Consult, 3733 W University Blvd, Suite 300, Jacksonville, FL

I think that you're right...to me it almost looks like 3 different people on 2 separate floors of this company made these hard inquiries on the same day.  That may be inadvertant, but it is still unfair to me and my credit score.

So given this new info, any changes in your advice?

Message Edited by JeffT989 on 02-24-2009 12:04 AM

[Anonymous]

Good, but no change in the advice, it is still illegal for them to do this and being disorganized and left hand/right hand not talking is not an excuse for breaking the law. After all, there is no way to prove that they didnt' do it intentionally and used different offices to try and obfuscate their liability.