DMGacs Posted April 18, 2007 Report Share Posted April 18, 2007 Are collection agencies and OC's allowed to run my credit report years after granting credit? I have a ton of inquiries how many is to many should I fight to have them removed? I have heard too many affect your report?CBCINNOVISMortgage Reporters4/4/2007BANK OF AMERICABank Credit Cards4/3/2007CFNACredit card and travel / entertainment companies3/24/2007BRACHFELD ASCollection services3/13/2007CREDCOFinance, personal3/5/2007TRUELOGIC FICollection services2/22/2007NESCollection services1/19/2007CREDCOFinance, personal12/6/2006MORTGAGE FAXMortgage Reporters12/6/2006CBCINNOVISMortgage Reporters11/28/2006CAPITAL ONEAuto Financing11/18/2006CREDCOAuto Reseller11/18/2006COAFFinance, personal11/18/2006ROADLOANS.COMPersonal Loan Companies9/18/2006CREDCOAuto Reseller9/17/2006CONSERVEOther Collection Agencies9/14/2006O R C SERVICESMortgage Reporters8/31/2006OLD REPUBLICMiscellaneous and public record8/31/2006SERVICE 1ST INFORMATIOMortgage Reporters7/11/2006PHOENIX RISIFinance other than personal7/11/2006CIT BANK/DFSAll Banks6/27/2006CREDIT PLUSMortgage Reporters5/18/2006CBDMiscellaneous and public record5/18/2006AAMES FUNDING CORPORMortgage Cos.4/28/2006TRANSUNION CREDIT INFOMortgage Reporters4/28/2006TU SETTLEMENMiscellaneous and public record4/28/2006QC CREDIT AGMortgage Reporters4/18/2006ESKANOS & ADLEROther Collection Agencies2/6/2006CREDIT PLUSMortgage Reporters1/30/2006CBDMiscellaneous and public record1/30/2006DISCOVEROther1/19/2006DISCOVER FINANCIAL SERBank Credit Cards12/24/2005DISCOVER FINFinance, personal11/7/2005DISCOVEROther9/28/2005BANK OF AMERICABank Credit Cards8/19/2005VAN RU CREDICollection services5/16/2005VAN RUOther5/4/2005 Link to comment Share on other sites More sharing options...
chilton1 Posted April 18, 2007 Report Share Posted April 18, 2007 Yes, they are allowed. This topic has been covered many times.Your post is also not clear. Did you apply for loans or credit with these companies and are these hard inquires? Link to comment Share on other sites More sharing options...
stancil1 Posted April 18, 2007 Report Share Posted April 18, 2007 DMGacs, They are allowed, and in most instances they're a pain to remove. The reason being, the CRA has to by law, keep them on your file. Check into identity theft.D Link to comment Share on other sites More sharing options...
DMGacs Posted April 21, 2007 Author Report Share Posted April 21, 2007 Yes, they are allowed. This topic has been covered many times.Your post is also not clear. Did you apply for loans or credit with these companies and are these hard inquires?To try to clarify my questions are:Question: How many inquiries can be on your report before they cause a negative score? What is the total number of allowable inquiries in a 2 year period that do not cause a credit score to drop.Question: CA's that purchase my debt are they allowed to run my credit report?Question: I have 37 inquiries in (2) years. I believe this is causing harm to my credit score some are for credit cards, refinancing home, auto loans, collection agency's, OC's, law firms in conjunction with the OC, some unfamiliar. Is it worth disputing them? Question: The listed companies that show up on my credit report online are shown on my first post. I can not tell if it is hard or soft. How can I tell? Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 21, 2007 Report Share Posted April 21, 2007 Question: How many inquiries can be on your report before they cause a negative score? What is the total number of allowable inquiries in a 2 year period that do not cause a credit score to drop.Anywhere from 1 and more can cause your score to drop. It depends on your entire credit file.Question: CA's that purchase my debt are they allowed to run my credit report?Yes.Question: I have 37 inquiries in (2) years. I believe this is causing harm to my credit score some are for credit cards, refinancing home, auto loans, collection agency's, OC's, law firms in conjunction with the OC, some unfamiliar. Is it worth disputing them?Inquiries over a year old do not hurt your FICO score. Any that are younger than that may be hurting your score. In that case, yes...it would be worth not having any inquiries at all.Question: The listed companies that show up on my credit report online are shown on my first post. I can not tell if it is hard or soft. How can I tell?Pull your individual reports and they will be categorized as "Inquiries that can be seen by creditors or anyone who views your report" (hard) and "Inquiries that are only seen by you" (soft). Link to comment Share on other sites More sharing options...
Gandolf Posted April 22, 2007 Report Share Posted April 22, 2007 Yes it is worth it to dispute. EQ removed every last one of my inquires while TU and EX would not even investigate them. But hey, having them all removed from the 1 CRA definately helps. Always worth a shot to dispute. Link to comment Share on other sites More sharing options...
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