Hi, Arrow financial services just put a hard inquiry on my Transunion report. it says Arrow Financial services permissible purpose = collection The debt they are referring to was a 300 dollar debt from Citibank. It has already passed the 7 years and has been removed a long time ago from my report. How do i prevent them from pulling my report whenever they feel like?? Any suggestions? thanks in advance
Funny you should say that, my brother has just gotten a letter from them, for a 1990 CO account from citi. I was thinking about validation for him, but since the account's last activity was 1990, SOL and CRA clocks have both run out, I am thinking about doing a nice letter mixing elements of validation and others, to include the SOL and the FCRA. Any thoughts?
Goodness. Citibank must have had a blowout debt sale -- I just got a letter from Arrow about an extremely SOL Citibank debt too.
Why not try a validation and see if you can get any violations. You don't care if they sue, you know you can go to court and assert the SOL defense. In the meantime, they may rack up a few violations and end up paying YOU.
