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Sub: #1 hard pulls & permissible purpose...
Replied on 07-02-2009, 07:00 PM
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can a debt collector do a hard pull of my credit report for an account that my husband owns? the cc in question, i am not an authorized user...i understand permissible purpose i think but can they look at my credit for his bussiness charge card???? thank you..




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Sub: #2
Replied on 07-03-2009, 03:54 AM
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Nope...not unless you are cosignor or joint.

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Sub: #3
Replied on 07-03-2009, 04:09 AM
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The creditor cannot pull out your credit report unless your are a co-signer to the credit card agreement. You can send them a letter asking them either to remove the hard inquiry from your report or show your authorization. You can find sample letters by visiting the link debt settlement letters.

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