tst888 Posted April 29, 2005 Report Posted April 29, 2005 from the book it says......"Under the FCRA, there are only five reasons why someone is allowed to pull your credit:1. Firm offer of credit (from a creditor with whom you applied for a loan or credit card)2. Firm offer of insurance3. Employment4. As directed by a court order5. The government can pull your information under the new Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA Patriot) Act of 2001 for counterintelligence and counterterrorism purposes.If you have a creditor who is pulling your credit for any reason other than the above, they are in violation of the FCRA. And yes, you can sue them. You might mention this in the letter you write asking that they be removed"sounds pretty clear to me. So then what about CA's who put inquiries on your report. That doesn't fit any of the above listed reasons. So they can't legally have those on my report? or is it only if they are able to properly provide DV ??confused
LadynRed Posted April 29, 2005 Report Posted April 29, 2005 What book ?? Collections in itself IS permissable purpose.
tst888 Posted April 29, 2005 Author Report Posted April 29, 2005 sorry....I assume everyone on the board has the book "Good Credit Is Sexy"
gdouglaslee Posted April 29, 2005 Report Posted April 29, 2005 from the book it says......Don't rely on any book for that since the info is general. Use the links up above. Some changes have been made. If you read the FCRA, it says collection review is a permissible purpose.
tst888 Posted April 29, 2005 Author Report Posted April 29, 2005 so let's say I dispute an inquiry with a CA. This would be inquiry for which they are NOT reporting an account on my file. what do they need to send me to show permissble purpose if they aren't currenlty reporting or collecting on the account? All they need to say is that it was for collection purposes ?
DocDon Posted April 29, 2005 Report Posted April 29, 2005 If they are assigned a collection, they have PP to pull. They don't need to report it just because they pulled your report.
tst888 Posted April 29, 2005 Author Report Posted April 29, 2005 so if I dispute it with them they don't have to show me anything at all ? That seems odd to me from everything I've learned here.
DocDon Posted April 29, 2005 Report Posted April 29, 2005 You most certainly can ask the CA to prove they had PP to view your report.All we're saying is 'actively collecting' or 'reporting' does not mean they do not have PP.
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