I guess RMA decided to give me a little 2 year "gift" by pulling a hard inquiry... I have a collection on my report from RMA that is falling off in less than a month... what a bunch of pigs! They've pulled softs numerous times, but this is the first hard. Anything I can do about this inquiry? Not very hopeful, but thought I would ask in case someone out there has experience...
Kit, Since the 7 years is expiring in two months, sounds like there is a good chance that the debt is past the SOL. If that's the case, then RMA has no business pulling your credit as there is no debt to collect and thus no PP. -HDAlex
It isn't against the law to collect on an SOL debt. You just don't have to pay it. You have to exercise the SOL as an affirmative defense. I'm curious--had you tried dispute, validation, etc., or was it so close you were waiting for it to roll off? Also, be careful, RMA is notorious for reaging!
I have disputed it in the past and it was re-aged several years... but they corrected the date after a strongly worded letter to the head of the company last year (since then no more changes until the recent hard). They really had no choice but to correct the date since Sears is also listed on my report with the correct date of last activity. It is a Sears tradeline and both Sears and RMA will be falling off next month. I will not put it past either to try and re-age again... we will see.
I guess RMA decided to give me a little 2 year "gift" by pulling a hard inquiry... kit ============== Is this legal as in effect it causes the debt to be reported for 9 years rather than 7? THE END ** *** ** LB 59
