CA pulling CR

[Junejer]

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@Anonymous wrote:
BTW, employment-related inquiries, due to their conspicuous absence in the language of 604(c)(3), are always soft pulls.

Message Edited by cheddar on 02-19-2008 04:14 PM

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That's not true. I had a hard pull from an employer last February.

[Anonymous]

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ByrdMan wrote:


This is my arguement. Soft if you must, but you will not hard pull my reports unless you full media validate.

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But again, what part of the FCRA or FDCPA is that argument based on?

[llecs]

Sticking with Cheddar on this one.

I can be easily pursuaded with a good and valid argument though. Could there be other caselaw out there that sees little discussion or opinion docs from applicable agencies like FTC?

We should set up a series of debates on frequently disagreed topics like inquiries, reporting issues, or disputing/DVing processes.

[Anonymous]

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guiness56 wrote:

To me a CA pulling every month should not be permissible.  Especially after disputing the account.

There is an alert you can put on your report if you are active duty.  It does not say what this alert does or does not do.  I am worried that by putting in on my report, every Tom, **bleep** and Harry will decide that since I am active duty they will have a better change of collecting a debt. 

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Here's the link for the military alert.

http://www.ftc.gov/bcp/conline/pubs/alerts/dutyalrt.shtm

[tryingtogetitrightnow]

I just sent off a letter today to a CA that pulled my credit report to try to collect on a non-credit related account. I'll post how it turns out.

[fused]

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guiness56 wrote:

I know there is a thread here about this but, I am still confused.  80% of the inquiries on my CRs are from CAs.  One of them pulls it monthly.  I have disputed these and was told they are for PP.  I aruged that I did not get credit from these agencies but was still told it was PP because they are trying to collect a debt.  I also have a few that say "written authorization by consumer".  One is for a mortgage company whom I have never heard of.  I do not have a mortgage and have never tried to get a home.  Is this legal and if not what should I do?

This has nothing to do with the above but, what impact would the "active military alert" have on your CR.  To me it seems more people would try to collect knowing you are in the miltary.

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Are all of these inqs related to bad accounts less than 7 years after the DOFD?

[Anonymous]

There are only 2 CAs that currently have my accounts that also did inquiries. Those are within the 7 years from DOFD. Palisades is the one doing monthly inquiries. The rest of them I have no idea who they are or what the inquiry was for. I only know they are collection agencies.

Message Edited by guiness56 on 02-19-2008 06:49 PM

[sh9730]

Yeah, that is my question...I only have one baddie left, but two CAs pulling hard inqs....one of CAs is related to an ALMOST 7 year old account...the other pull from a CA from last summer and I ve had alot of stuff drop off this year so Im not sure whether anything was there when they did the pull...

But in any case...has anyone had a CA do a hard pull for an account that was beyond the 7 year reporting period?    Or a pull when nothing is showing on your account at all?

I also find it interesting that one ONE of the CRAs shows the pull as hard, wheras the others show soft only...how does that happen!?

Message Edited by sh9730 on 02-19-2008 07:11 PM

[Anonymous]

I have several hard pulls from CAs but I have no collections with them.

[Junejer]

Yeah, that's PP. Don't take this crap lying down. If some want to let the CAs run roughshod over them, so be it. Send the Non PP letter to these fools.