I have a question...I know that in the past (recently actually), I had a CA call me about an account, and he started naming off my Mortgage info and accounts I had paid off, asking why I wouldn't pay them in full. (at the time I paid the other CA, I actually had money to do so), anyways, I was wondering if all CA's can pull your credit, and what does that do to your credit when they do? It seems like they should not be allowed to pull your credit file since they are not the original creditor and I never signed any agreement with them.