I love your blog. It is so refreshing to get down to earth credit advice. My question is - I have some unapid medical bills. One of the collections agencies recently made an inquiry to my credit report before they posted a deliquency. Why do they do that?
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That is totally illegal
threaten suit and allow no respinse other than total removal they do this normally to find out new addresses
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Well the strange thing is that I have not been contacted by any of them. One of them did post a new credit ding for $800 for which I have no idea what it is and will be sending them a verification. The others I have heard nothing from and havent posted anything to my report. I am thinking the inquiries are hurting my score though since there are about 10 of them from different companies. When you say it't illegal should I dispute it with the bureaus or the company themselves?
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dispute it with the company themselves
and threaten suit if the account is not totally removed due to their illegal activity of pulling your credit report fishing for addresses
If you did not authorize the inquiries. This a is violation of the fair credit reporting act.Excersise you stautory rights
617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o] (a) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in anamount equal to the sum ofJuly 30, 2004 63 (1) any actual damages sustained by the consumer as a result of the failure; and(2) in the case of any successful action to enforce any liability under this section, thecosts of the action together with reasonable attorney's fees as determined by thecourt.(b) Attorney's fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faithor for purposes of harassment, the court shall award to the prevailing party attorney'sfees reasonable in relation to the work expended in responding to the pleading,motion, or other paper.§ 618. Jurisdiction of courts; limitation of actions [15 U.S.C. § 1681p] An action to enforce any liability created under this title may be brought in anyappropriate United States district court, without regard to the amount in controversy, or inany other court of competent jurisdiction, not later than the earlier of (1) 2 years after thedate of discovery by the plaintiff of the violation that is the basis for such liability; or (2) 5years after the date on which the violation that is the basis for such liability occurs.
Sunday, November 09, 2008
Collections agency pulled my credit before they posted a deliquency
Posted by
OskieGuy
at
2:41 PM
Labels: collection, collections, fcra, inquiry, remove collection, remove inquiries
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