shoegirl Posted December 4, 2008 Report Share Posted December 4, 2008 Once again I am coming back for more guidance from very knowlegdable people. You have helped me clean my CR's up very nice over the past few years. So now I have another problem.Like I said, cleaned the reports up nice after BK 7 in Feb 2003. Going along building credit and scores. Just got over the 700 mark !! Pulled my FICO's the other day to monitor the score and WHAMO ! All 3 scores dropped to Mid 600's. An old hospital bill (this happened May 03 after the BK)appeared because it was purchased by a new CA being listed by SENEX SERVICES. WOW !!! I also noticed that there were "hard hits" on all 3 CRA's. I have not asked Senex for anything yet. I was reading in this forum that it is now illegal for a CA to do a "hard pull" and illegal for the CRA to allow it due to the transaction NOT being an "authorized credit transaction by me". Please give your professional input. thanks. Link to comment Share on other sites More sharing options...
DucknCover Posted December 9, 2008 Report Share Posted December 9, 2008 My first reaction was why anyone would create another bad debt just months after a BK. To answer your question...if a CA bought the debt, they can do a hard pull. Depending on the CA, they just might do it several times a year. Link to comment Share on other sites More sharing options...
dodger23 Posted December 10, 2008 Report Share Posted December 10, 2008 See this thread for another opinion...it's current in this forum CA 3 hard pulls in week not licensed to collect (Multi-page thread 1 2)jeff6898 Link to comment Share on other sites More sharing options...
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