Nikro Posted February 14, 2007 Report Share Posted February 14, 2007 I read the previous thread about a JDB pulling CR and many of you said if they own the debt or are collecting on the debt they legally can.Well...In this instance we are talking about NCO and they pulled DH's CR in 01/06 and 08/06 and according to the report they dont own anything nor are they collecting on anything. We have no received a letter, etc. So---my question is: is this legal? Link to comment Share on other sites More sharing options...
willingtocope Posted February 14, 2007 Report Share Posted February 14, 2007 Technically, no, but many CAs do this to see if they want to take you on.I can't site any case law regarding this, but, I'd suggest you keep your records...you may be able to use them in court later on. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted February 14, 2007 Report Share Posted February 14, 2007 Dispute the inquiry with the CRA. Ask them to give you the reason NCO gave them to pull your CR. Copy your AG and the FTC Link to comment Share on other sites More sharing options...
LadynRed Posted February 14, 2007 Report Share Posted February 14, 2007 How do you KNOW that NCO doesn't have a collection account of yours ? If they have one, they can pull reports. Just because you're received no letters or calls from NCO doesn't mean they don't have anything. Link to comment Share on other sites More sharing options...
Nikro Posted February 14, 2007 Author Report Share Posted February 14, 2007 I completely understand that if they have an account they can pull the report. I stated that in the origianal post. I would imagine since one inquiry has been since 1/06 that something would have showed on his actual report over a year later, no? If nothing has to shown up somewhere at some point, how would one find out if they have an account if it isn't listed on his report? As someone already said, we can ask the CRA's. Link to comment Share on other sites More sharing options...
willingtocope Posted February 14, 2007 Report Share Posted February 14, 2007 Unfortuneatly, there is no law that says an OC or CA MUST report on your CRs. Its possible they had an account, looked at your reports, and decided to pass it on. Link to comment Share on other sites More sharing options...
June Posted February 15, 2007 Report Share Posted February 15, 2007 I read the previous thread about a JDB pulling CR and many of you said if they own the debt or are collecting on the debt they legally can.Well...In this instance we are talking about NCO and they pulled DH's CR in 01/06 and 08/06 and according to the report they dont own anything nor are they collecting on anything. We have no received a letter, etc. So---my question is: is this legal?I would imagine since one inquiry has been since 1/06 that something would have showed on his actual report over a year later, no? If nothing has to shown up somewhere at some point, how would one find out if they have an account if it isn't listed on his report? As someone already said, we can ask the CRA's.Is pulling a consumer's CR considered an initial contact?Are the CAs required to send a collection letter within 5 days of their first initial contact? Not sure!!! The Experts should know. Anyway. . .NIKRO, I definitely would follow the advice of Recovering Attorney (Post#3) and call it a day. I have the same or similar problem with Ocwen Federal Bank. I do not know what alleged debt OFB owns or what debt they trying to collect. OFB is not one of my creditors! Equifax permitted Ocwen to illegally pull my EQ CRs on 05/25/2006 and again on 08/25/2006 (with the "AR" prefix*), no Collection Letter and no Reporting to date !!! When it comes to my CRs, I shouldn't have to figure anything. It is reasonable to assume that Ocwen had received 2 of my CRs WITHOUT a Permissible Purpose. IF Ocwen owns any alleged account or collecting on any alleged debt (that I am liable for), let them prove it to a judge, Equifax, SAG and FTC. Explanation: *AR - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. (AM and AR Inquiries remain for 12 months). Any corrections greatly appreciated. Link to comment Share on other sites More sharing options...
Nikro Posted February 15, 2007 Author Report Share Posted February 15, 2007 Unfortuneatly, there is no law that says an OC or CA MUST report on your CRs. Its possible they had an account, looked at your reports, and decided to pass it on.Ahhh....valid point. Link to comment Share on other sites More sharing options...
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