Is it a violation for a creditor to pull your report if you are disputing the listing on your credit report but you don't owe them anything. I posted this on another board and I've done some searches so far I have come up with. They are allowed to pull if you owe them money, employment, and if you are applying for credit. I disputed this account with the CRA and I got an alert that the company has pulled my report. Is this a violation something I can use to get this listing off my credit report. They are reporting this as late 30 and 90 days and I just want the whole listing off my report. I think I'm correct but I want to make sure before I go firing off any nasty letters that might make me look like an ass in the long run. Thanks
If this is a cc, and the card is still open, even if there is no balance, they can pull an inquiry. Would need more detail.
LOL sorry but that's exactly what it says on my credit report. I didn't have a loan, I didn't have a credit card, or a line of credit. I was looking through some old statments and I realize that I did have a checking account with this bank but thats it. It was so long ago the only situation I can think of is that maybe when I closed the account they added charges and fees and there was a negative balance left in the checking. On the CR it says 0 balance 1 time 30 day late, 1 time 60 day late and 90+ days late.
Re: Re: PP please tell me if I am correct I don't either LB after a weekend of research I came to the conclusion that they had no PP and I'm firing off the letter today. Either deleter or pay me. It really bugs me that others can just get into my credit file when they so please and they think that the average consumer is stupid and dosen't know whats going on. These boards have really inspired me and I won't let them just do whatever the hell they want. Thanks for all the feedback
