Do they have the right?

Discussion in 'Credit Talk' started by suedan217, Jun 19, 2002.

  1. suedan217

    suedan217 Well-Known Member

    Does a CA have the right to pull your credit report? And if so, how often? Thanks.
     
  2. BiznoteGuy

    BiznoteGuy Well-Known Member

    I would think not since they're not extending you credit.
     
  3. mindcrime2

    mindcrime2 Well-Known Member


    If you have an unpaid collection with them, then the answer is yes. The reason, they want to see if your credit situation has changed, or if you've moved, etc.
     
  4. jrobb42

    jrobb42 Member

    mindcrime,

    If that is indeed correct, can you not also get the inquery deleted if they cannot validate? If so, how?

    Thanks
     
  5. suedan217

    suedan217 Well-Known Member

    I have one CA that has pulled report twice in the last year. And they are causing me an inquiry. They are associated with a judgement that I have.
     
  6. GEORGE

    GEORGE Well-Known Member

    Even if they have a "SO-CALLED RIGHT" DISPUTE it anyway...

    "I DID NOT APPLY FOR ANY CREDIT CARD OR LOAN WITH XXXXX COMPANY".
     
  7. mindcrime2

    mindcrime2 Well-Known Member


    You could dispute the inquiry through the CRA.

    Or, if that does not work, and the CA cannot validate and is somewhat cooperative, you can tell them to delete it because since the debt is not valid, the right to inquire on your report isn't either.

    Or, if you wind up having to sue, you can include it in your suit, or settle with them and include the deletion of the inquiry in the settlement.
     

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