monkeygirl Posted April 12, 2005 Report Share Posted April 12, 2005 True or False or depends on the State? (I'm in Arizona)Do CAs have the legal right to request and get copies of credit reports if they are the current creditor?I thought I had read somewhere on this board that this isn't true...but I can't find it again.I'm asking for inquiry removals and wondering if I should try to get them all removed, or perhaps leave some alone... Link to comment Share on other sites More sharing options...
Methuss Posted April 12, 2005 Report Share Posted April 12, 2005 True. CAs can pull your credit report at any time before you submit a DV/Dispute with them. Once you get your letter to them, they cannot engage in any collection activity until they validate...that includes pulling your report to sniff around. If they validate, they can resume collection activity.FYI pulling your report multiple times is a different issue. That is called "poisoning" a consumer's credit report to leverage a payment. THAT is illegal under the FDCPA. Link to comment Share on other sites More sharing options...
miracle Posted April 12, 2005 Report Share Posted April 12, 2005 Methuss is exactly right.How old are the inquiries? If they are a year or more I wouldn't even bug with em... Link to comment Share on other sites More sharing options...
monkeygirl Posted April 12, 2005 Author Report Share Posted April 12, 2005 Thanks for the quick reply.Most are over a year old. Two pulled 2 reports, each within 3 days of eachother...but they are over a year old. Only 3 on TU are less than 1 year. Link to comment Share on other sites More sharing options...
Methuss Posted April 12, 2005 Report Share Posted April 12, 2005 Inquiries over 12 months old generally do not affect your credit score. Any more than 24 months are not even supposed to be there. The FCRA says no inquiry should live on a credit report longer than 2 years. Link to comment Share on other sites More sharing options...
monkeygirl Posted April 12, 2005 Author Report Share Posted April 12, 2005 Excellent...thanks so much, that's on less beast to fight! Link to comment Share on other sites More sharing options...
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