ratt Posted March 16, 2011 Report Share Posted March 16, 2011 can a ca from a 13 y/o judgment make a hard inquairy? Link to comment Share on other sites More sharing options...
workingpoor Posted March 16, 2011 Report Share Posted March 16, 2011 can a ca from a 13 y/o judgment make a hard inquairy?Yep. Judgments in NJ are good for 20 years.Sorry to be the bearer of bad news... Link to comment Share on other sites More sharing options...
diamonddan73 Posted March 16, 2011 Report Share Posted March 16, 2011 What if it was past the SOL? Can they still pull? Link to comment Share on other sites More sharing options...
workingpoor Posted March 16, 2011 Report Share Posted March 16, 2011 What if it was past the SOL? Can they still pull?The SOL is 20 years, so they are within it and allowed to pull. Link to comment Share on other sites More sharing options...
diamonddan73 Posted March 16, 2011 Report Share Posted March 16, 2011 the reason I asked is because I had a CA do a hard pull on an collection account outside the SOL. I was wondering if there is a violation. In Cali it states that attepting to collect on a debt that is unenforceable like expired SOL is a violation. So is doing a hard pull an attempt to collect? Link to comment Share on other sites More sharing options...
workingpoor Posted March 16, 2011 Report Share Posted March 16, 2011 So is doing a hard pull an attempt to collect?I would think it can only be considered an attempt to collect if they actually attempted to collect. I guess you would have to wait until they dunned you and then you would have a claim... Link to comment Share on other sites More sharing options...
diamonddan73 Posted March 16, 2011 Report Share Posted March 16, 2011 Thanks for the help. What do you think about permissable purpose? Would they have permissable purpose to do a hard pull after the SOL? Link to comment Share on other sites More sharing options...
workingpoor Posted March 16, 2011 Report Share Posted March 16, 2011 Thanks for the help. What do you think about permissable purpose? Would they have permissable purpose to do a hard pull after the SOL?I don't know, to be honest. All I can think of is, as long as the tradeline is on the CR, they have permissable purpose. Whether or not they can collect is a whole other animal... Link to comment Share on other sites More sharing options...
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