hello, so, can a CA pull monthly credit reports, hard pulls? These have been happening on a family members account every month since 10/08 is that a violation of the FDCRA? any way to stop it? (except to start procedure, VOD and such....) Oh, sorry if I am acting like I know what I am doing, I dont....but I am learning thanks
It might be a violation, but many will argue that it isn't. Some people argue that CA's don't have the right to do a hard pull unless it is specifically authorized by the consumer; however, others will argue that they have "permissible purpose" when trying to collect on a debt. The latter is probably true.
