Why does TU allows hards from CA's?

[Anonymous]

I just got an alert on my credit report from a collection agency placing a hard inquiry on my TU report. I have 5 hard inquiries on my TU report from collection agencies. I called TU and the rep said I have to call the collection agencies. I asked what if they wont remove it? She said they will stay on.

[score_building]

All 3 cra's permit of this unfortunately, as far as i know.  I was vaklempt when i noticed this past summer that my cr was peppered w/ hard inquiries from a student loan collections agency (for a loan that i thought i had consolidated) 

Well, i belatedly requested validation, got no response.  Next, i disputed with EX, no luck there.  Finally i came upon the idea of filing a bbb claim against the ca under my strong belief that it is completely misleading and inaccurate to allow a ca to misrep themsleves on your cr by appering on your report and coded as if you had requested and entered into a credit agreement with them (hard inquiry), hog wash!  They should be counted a soft inquiries, period.

Luckily, In my case, my school was very cooperative and allowed me to set up a rehab agt and even requested the cra to remove the hard inquiries, and the ca still refused!  It was only after filing an online bbb claim against them that they saw the light and agreed to remove in writing and then followed up a month later and summarily removed all 4 hard inq.'s.  A happy day 4 me indeed!  i hope this helps

Message Edited by score_building on 01-26-2008 10:31 AM

Message Edited by score_building on 01-26-2008 10:34 AM

Message Edited by score_building on 01-26-2008 10:42 AM

[Anonymous]

If the inquiry is unrelated to a credit transaction (such as medical collections, judgments, liens), send this letter CMRR:

Dear Collection Agency:

On Date your company made an unauthorized hard inquiry into my Name of Credit Bureau credit report.  Attached is a copy of my credit report with the unauthorized inquiry circled.

Collection Agency violated the FCRA by obtaining my credit report for debt collection efforts unrelated to a credit transaction (Pintos v Pacific Creditors Association, Case No 04-17485 (9th Circuit Court)).

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting bureaus where your organization has made inquiries into my credit history, to have your illegal hard inquiries removed. 

Please forward me documentation that you have had the unauthorized inquiries removed.

I wish to communicate solely in writing.  Do not call me at any time or place.

Regards

Your Typed Name

(Do not Sign)

Note:  When attaching the copy of your credit report, be sure to BLACK-OUT your Social Security  and telephone numbers (unless the numbers are wrong - then leave it alone to mess them up).

Message Edited by dwarfess on 01-26-2008 02:51 PM

[Anonymous]

Ok how are CA allowed to inquire...I thought they only way someone can get access to your CR is if you allow them to i.e applying for loans, CC etc....Just trying to understand all of this so I'm better informed...I have learned quite a bit on this forum!!!

[Anonymous]

If related to a credit transaction within SOL, it's deemed "permissible purpose"

[score_building]

i forgot to mention that B4 i reported the ca to the bbb and got all 4 inq.'s removed, i sent a CRRR letter similar to the v. good example posted by dwarfess, which they ignored.  The good thing about the bbb online dispute is that if the ca chooses to ignore your claim they get a "demerit" because it shows up on their bbb history as an unaddressed claim which makes them look a bit shady -in other words they have suddenly an incentive (albeit a small one) to make your claim against them go away since it would seem that they'd rather, in most cases, resolve claims in a way that makes their company look like they are playing by the rules, at least when the bbb is mediating the process.

Message Edited by score_building on 01-26-2008 11:05 AM

[Anonymous]

bbb?  ummm - I like!

[Anonymous]

i have 2 hard inqs on my tu report  from a ca. the thing is, there not on my credit report. they are just on my inqs. can they do this even though there not on my credit report. i called the ca and asked why they were on my cr. the ca said they were seeing if i had any assets. (bs) i told them that it was and old bill, and i wasnt going to pay them either. ( i have good reason) the ca said it wasnt going to remove them  (inqs), and was told they would not hit me with any more hard inqs. i asked the ca if your trying to collect this debt, how come your not on any of my crs? the ca had no answer, and told me they were going to send it back to the oc.  i think the sol is up.  i live in maine. the oc is in south carolina. the ca is in new york.  can anyone help me here. what is bbb? id like to try that. in maine the sol is i think 6 years. not sure in ny, or sc. anyone know? which state would the sol be in? please help..thank you.  btw equifax will remove almost all inqs...

[Anonymous]

so help me understand this better.  When you seay related to a credit transaction, what does this really mean?  If you have a debt that is in collection/chg off and it is still within the sol: Can they do a hard inquiry?  Can you define a what a soft inquiry is again?

[ariesdreamer]

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Badcreditguy wrote:

I just got an alert on my credit report from a collection agency placing a hard inquiry on my TU report. I have 5 hard inquiries on my TU report from collection agencies. I called TU and the rep said I have to call the collection agencies. I asked what if they wont remove it? She said they will stay on.

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Funny I came across your post just now. I just pulled all 3 FICO CRs and on TU, a CA made an inquiry on 1/25/08. What a coincidence that they called me at work the same day too. The CA was Allied Interstate trying to collect on an old BOFA acct that I already paid off long ago. The acct is even on my CRs now since it fell off about 4-5 years ago. Good thing I remembered to tell her to never, ever call me again at work.

I'm going to try to get it removed....