Question about credit inquiries

gramps1968 · ‎06-09-2007

I was going over the credit inquiries on my Experian report and came across one from a collection agency. I never remember giving them permission to pull my credit for ANY reason. Do they still require my authorization to access my credit report? What should I do about it? Thanks!!! MIKE

04/08/2013 TU 659 EQ 661

Goal score: 700

Tuscani · ‎06-09-2007

Assuming they do not have PP, you can use this letter:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=3900

gramps1968 · ‎06-09-2007

What would be some examples of permissible purposes that a collector can use to access my credit report? I don't want to start making accusations unless I know that they were in the wrong. The collection agency was for my student loan(which is now not in default status woo hoo!!) Thanks again!!

04/08/2013 TU 659 EQ 661

Goal score: 700

Tuscani · ‎06-09-2007

gramps1968 wrote:
What would be some examples of permissible purposes that a collector can use to access my credit report? I don't want to start making accusations unless I know that they were in the wrong. The collection agency was for my student loan(which is now not in default status woo hoo!!) Thanks again!!

Sounds like they have PP if your account was close to or in collections. Not much you can do but ask them to remove the Inq.