RMA just pulled a hard inquiry

Discussion in 'Credit Talk' started by sal826, Aug 2, 2002.

  1. sal826

    sal826 Well-Known Member

    Hi everyone,

    Some place called RMA just pulled a hard inquiry on my equifax - does anyone know who they are? (It sounds like a collection agency to me)

    Anyway, what would you guy's do - should I threaten to sue them, as I did not apply for any credit with them. (I AM SO PISSED, I specifically did not apply for anything just to avoid inquiries, then these bastards just go ahead and pull my report just because they can)


    Thanks for your help
    -Sal
     
  2. kbanger

    kbanger Well-Known Member

    Those Bastards are the only inquires on my EQ as I have not applied for any credit, being I know the big NO is gonna happen. Anyway this prompted me to search this thing out about them pulling your report and my understanding is the Bastards can. It makes me sick, because the pulled my report 3 times in 6 months
     
  3. tix

    tix Well-Known Member

    RMA = Risk Management Alternatives (Collection Agency)
     
  4. sal826

    sal826 Well-Known Member

    kbanger,

    I don't believe they have a legitimate reason to pull a hard - I will delve into this a little deeper and get to the bottom of this.

    By the way do you have some contact info from them - preferrably a fax machine.

    I'll get them to pay both you and I $1000 when I'm done.



    -Sal
     
  5. kbanger

    kbanger Well-Known Member

    Sal I know they used to be owed by equifax and that they are on Bud Hibbs list of worst agencies.

    www.budhibbs.com


    RMA
    P.O. Box 105816
    Atlanta,GA 30348

    If I get any info on this I will let you know my email is on email me so I have your email address so we can work together on this one. I hate these BASTARDS
     
  6. too_poor

    too_poor Well-Known Member

    If you have any unpaid collections or charge offs that they were hired to collect on, they have a legit reason to pull credit.
     
  7. sirrowan

    sirrowan Well-Known Member

    This is so eery(sp)!!! I was just thinking about what I was goint to send them!

    They are a collector for Sears. RMA=Risk Management Alternatives, 1829 Reisterstown Rd, Suite 300, Baltimore, MD 21208, Phone 1-800-944-8195, Fax 410-653-7075.

    They love to pull inquiries. They have pulled two inquiries since I paid them in full in 10/28/01. They pulled inquiries on 12/18/01 and 01/14/02. I don't think they can do this. They certainly do not have a permissable purpose.

    They also have duplicate entries on my credit report for Equifax. I was told by Ms. Sample (a supervisor?), that RMA only reports to Equifax.

    Since they are owned by Equifax, you would think that Equifax could correct their own duplicate entries from their collection agency right away!!!! Their (RMA's)fax # doesn't show up on the top of the selttlement offer faxed to me in 0924/01, but the name of the company that owns the fax machine that faxed me the settlement offer does and it says Equifax!)
     
  8. sal826

    sal826 Well-Known Member

  9. rblues

    rblues Well-Known Member

    RMA is a tricky one.

    I just had NCC Business Services pull a hard on my equifax. You should do a search on NCC on the board, and you should be able to find the thread. In the thread, we discussed permissable purpose, blah, blah, blah.

    What pisses me off, is that I don't know what they are trying to collect for. It looks like they may be interested in buying an account and want to see if they should bother. I seriously don't think it's a permissable purpose if they don't own the accountt yet.

    I'm still trying to see what is going on.

    But, as far as RMA goes, you need to go to their website. They list all the branch office along with the main office in Atlanta.

    Good luck with them.
     
  10. sirrowan

    sirrowan Well-Known Member

    Yeah, main office in Atlanta. Isn't this where Equifax's main office is? I thought that a credit reporting agency wasn't allowed to engage in collection activity. I'm going to check this out.
     
  11. LKH

    LKH Well-Known Member

    I doubt very much that they pulled your file to see if they wanted to buy your acct. When they buy these accts, they buy them by the hundreds or even thousands at a time for pennies on the dollar. I doubt they know your acct may be included. Chances are they either bought an acct that was yours, or, they are collecting an acct of yours. Either way, that will give them permissable purpose to pull your reports.
     
  12. rblues

    rblues Well-Known Member

    Thanks for that clairification LKH. I was really concerned with that.

    Just one question. Why would they want to do an inquiry, and not insert into my credit file?

    Is it to find out my current address, so that they can start sending letters, or to see if I'm worth their time? hmmm~
     
  13. LKH

    LKH Well-Known Member

    Could be either of those reasons, or, it could be to see how you are doing credit wise now so they can threaten your credit with a derog. Don't be surprised if they do report it soon.
     
  14. rblues

    rblues Well-Known Member

    Geez! It just never ends. You send validation after validation, and instead of validating or not validating, they just sell it to some new joe schmoe who won't be able to validate either.

    I guess I'm just sick of it all.

    Thanks for the response LKH! :)
     
  15. picantel

    picantel Well-Known Member

    I had RMA pull a hard inquiry 8 days before it went SOL. Since I just received another collection letter 2 years after the SOL and after my c/d letter I pray they pull my report again.
     
  16. whatever

    whatever Well-Known Member

    I just checked Equifax and see that RMA pulled a hard inquiry as well on my report. Why do they need the hard inquiry, an AR would do just fine. Being Aholes for sure.
    Reading about RMA, I see that they do not have a good record. One would think, that they would abide by SOME rules.
     
  17. G. Fisher

    G. Fisher Banned

    Why don't they pull them as "Account Review"?

    And, even if they do have a permissible purpose how often are they allowed to pull them? Annually? Semi-annually? Quarterly? Monthly? Fortnightly? Weekly? Daily? Hourly?

    Trans Union's comment on a credit report:
    Fair, Isaac's comment on inquiries:
    http://www.myfico.com/myfico/CreditCentral/ScoreConsiders/Tips/NewCredit.asp

    Odd, that; no mention of collectors' inquiries.

    Leave the Dark Side. Come back over into the light of common sense. This is an important, unresolved issue that deserves attention.
     
  18. LKH

    LKH Well-Known Member

    Sure. If they OWN the acct, they can do an acct review. I don't think pulling a report, if they don't own it, just to see if they want to purchase the charge off, considering they buy them buy the hundreds, is very likely, nor is it legal. Now, if they have purchased the acct, then I guess they have the right to do the acct. review.
     
  19. LKH

    LKH Well-Known Member

    I completely agree that the issue of how often ca can pull a report needs to be defined. Especially when they pull reports to "poison" a report in an effort to coerce a debtor to pay.
     
  20. KHM

    KHM Well-Known Member

    The CA's have 5 days from the first communication regarding the debt to send something to the consumer, correct? Would this be considered communication? I would think so, ESPECIALLY if the consumer views his/her credit report regularly.

    Comments?
     

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