formercreditidiot Posted March 28, 2012 Report Posted March 28, 2012 I have noticed that a few CA's (and possible JDB's) are on my inquiries on all 3bureau's. For a while they were only listed as inquires that DO NOT affect my credit. Now I am noticing a few different agencies listed under the inquiries that remain on my credit for 2 years (they state these inquiries do impact scores.)What if I don't have any outstanding debts that are within my state's SoL? Can they still pull my CR, especially when it counts as a hard inquiry? These past SoL debts were for open ended accounts (credit cards) and they are all now 1 year to 6 years past SoL. In fact, the debts no longer show on my CR after successful disputes. There is a few collection agencies that I have never received a letter from or phone call, so to be honest I have no idea what debt they supposedly have.I hope this makes sense. I realize I am probably confusing all of you.
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