Is a CA inquiry supposed to affect my score?

[tryingtogetitrightnow]

I have inquiries from a couple different CA from last year showing up as affecting my credit score. I obviously never authorized them to run my credit. Can I get these removed?

[Anonymous]

if they are legitimate collections, then the concensus that i read is they have "permissable purpose" to pull your credit and yes this can impact your score.

if i'm miss-informed others will chime in.

[llecs]

I'm also one of those who argue that CA's have permissible purpose.

This is from the FCRA:

"§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]

(a) In general. Subject to subsection (c), any consumer reporting agency may furnish a

consumer report under the following circumstances and no other:   ....

(3) To a person which it has reason to believe

(A) intends to use the information in connection with a credit transaction

involving the consumer on whom the information is to be furnished and

involving the extension of credit to, or review or collection of an account

of, the consumer; ..."

If it is more than 1 yr., it is not harming your score. If less, yes. Some here had success in removing inquiries like these. You'd have to look around, though.

[tryingtogetitrightnow]

Thanks for the info. So, if the pfd works then I'll dispute the inquiry

[Anonymous]

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llecs wrote:

I'm also one of those who argue that CA's have permissible purpose.

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Me too.  I'm no defender of CAs, but the FCRA seems pretty straightforward on this.