I successfully got a default judgment dismissed that a CA had entered. The dismissal was won based on fradulent service of process. In our negotiations, the suit was dismissed with prejudice and the debt is now past the SOL. The original debt was a credit card, and the negative information should drop from my credit files in January. All should be well, right?
No! I just pulled by EX credit report, and this CA is inquiring on my file. The suit was dismissed in January of this year, but the CA inquired back in October (when the litigation was ongoing) and in late February of this year (after the dismissal). Is this allowed? I am concerned because these inquiried will lower my scores.
Is there anything I can do to stop these people from continuing to pull my credit every four months? Please note that the did not pull my credit at any time prior to the October inquiry.
Thank you!
