Your Credit Report

Until people send you a permissible purpose letter. What is that you may ask? Well, that simply means that you have to have a legitimate reason to pull the credit report and prove it. When you can't prove it, guess what? That's right, the inquiry goes bye-bye.

Oh, and unlike a debt validation letter, federal law allows a consumer to do this ANYTIME, not just within 30 days of initial contact. Oh and might I add that you can then be sued and forced to pay said consumer?

P.S. Be legal and play by the rules, then you won't get sued and have to pay people instead of them paying you.

have a nice day.

this mope should just come out and say SUE ME PEOPLE.because that is just what they are asking for.btw i suspect this is NNC in disguise as only he posted total bottomfeeding collector nonsense like this.

Actually a debt collector collecting on a debt HAS permissable purpose to pull a credit report pretty well anytime they choose as long as they do not abuse it. (Daily pulls would be considered abusive.)

The OP is a junk debt collector considering he is collecting debts out of SOL. Technically the debts are owed but they are uncollectable thru the courts so you can easily send a FOAD letter which they will probably violate. Then as part of your 1 settlement, you can request the inquiry be removed. He probably hasnt opened a newspaper recently to know anything about the economy and that people may not be hiding from debts but just simply cannot pay.

Yes, having permissible purpose is key. You demand proof they have permissible purpose, it is almost the same as validation and I have seen this in action, though I admit this method is new and only just starting to catch on.

If they can't prove it, they can be sued for non PP.

Well then why don't you tell us who you work for so we can watch for that on our credit reports? and we can also watch for your company of justia.