can a CA pull a "hard" inquiry at will?
Date: Wed, 06/03/2009 - 13:26
A quick question...
Can a CA on its own make a hard pull of one's credit?
On my file(s) I have noticed most did soft pulls, yet a few did hard pulls.
it seems to me yet another tactic by a CA to destroy a score as much as possible since the ones that do this seem to post an arbitrarily low credit limit..yet post the amount in collections as way above it.
Can a CA on its own make a hard pull of one's credit?
On my file(s) I have noticed most did soft pulls, yet a few did hard pulls.
it seems to me yet another tactic by a CA to destroy a score as much as possible since the ones that do this seem to post an arbitrarily low credit limit..yet post the amount in collections as way above it.
They would have Permissable Purpose to do a hard pull.
They would have Permissable Purpose to do a hard pull.
How can you tell the difference between a hard pull and a soft p
How can you tell the difference between a hard pull and a soft pull?
Hard pulls are listed as Inquiries Seen by all Lenders on your r
Hard pulls are listed as Inquiries Seen by all Lenders on your reports.
If the original debt was a credit extension (credit card, loan,
If the original debt was a credit extension (credit card, loan, etc), then it is automatically permissible purpose for them to run your credit report in collection of that debt.
However if the original debt was not credit-related (ie the CA is collecting for unpaid parking tickets, bounced check, etc), Federal courts have upheld that they do not have permissible purpose to run your credit.
