From all the reading I've done, a CA does not have PP for an inquiry of my CR. Since I have not applied for credit from them or seeking employment, they don't have a PP to pull my credit just because they bought my account from the OC do they?
Yes they do. To a person which it has reason to believe (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account
I gotta disagree.... and although this is a "hot" topic and one that gets debated alot I think Pintos v. Pacific Creditors' Association answered alot of these questions...... IMO Collectors can pull..... But they can NOT do a hard pull.... They can soft pull until they turn blue in the face..... But a hard? that's a no no..... In order for the inquiry to be coded as HARD it must be done under... 1681b(a)(2) or 1681b(a)(3)(A) and there is no provision for collections pulls there, as YOU are not involved in a CREDIT TRANSACTION with the CA or JDB, or even a OC or OC atty after chargeoff.
So then I can dispute a hard pull by a CA or OC in regarding collection of an account as they should of done a soft pull?
Where is there a delination between a hard and soft under the FCRA? There isn't. They can and do hard pulls all the time.
Seems like a hard pull by a CA is nothing more than a fishing expedition to find out more about a certain individual.
IMO there's no reason to do hard or soft pulls, they're already tanking your credit with what they are reporting. greg1045 is right, they're fishing.
