Can a creditor that was discharged in a chapter 7 bk allowed to pull a soft pull after he discharge? Is this where permissable purpose comes in or is that only for hard pulls?
It is my understanding the if the account was closed due to being discharged in bankruptcy no permissible purpose exists after the date of the discharge. Whether it is a hard pull or soft pull is irrelevant. In either case they received information to which they were not entitled. Send them a letter demanding that they provide thier permissible purpose was for the credit inquiry. Also notify the CRA's that the inquiry was not done with a valid permissible purpose. send both CMRRR. Hope this helps.
Yes it does thank you, only other question is then can I demand the $1,000 for violating the fcra then? These people gave me hell so if I can get anything out of them I will
