My question is......Is CACH,LLC allowed

Yes, they can pull your credit report if they are attempting to collect a debt. You will often see noted next to this type of inquiry, "Permissible: Collection purposes".

Depends on what sort of debt now. Recently, a lady in San Francisco won an appeal (in Federal Court) because a collector pulled her credit report. See the report below.


[quote]???????Pintos???????? Impact Limited but it May be a Threat
December 21, 2007

Legal experts update collectors on the ramifications of the Pintos' ruling in September on 'permissable purpose' for pulling a credit report.
by Patrick Lunsford
insideARM.com
December 21, 2007
A decision handed down by a federal appeals court in late September is still causing confusion among collectors regarding their rights to access a consumer????????s credit report during the collection process. ACA International held a second teleconference Thursday to address some of the confusion.

The case, dubbed ???????Pintos???????? from its legal title Pintos v. Pacific Creditors Association (PCA), has become important for the collection community because it raises issues regarding the pulling of credit reports, and because it could cover select debt sectors including healthcare, said Valerie Hayes, ACA????????s International Corporate Counsel.

In the case, Maria Pintos claimed that PCA did not have ???????permissible purpose??????? to access her credit report in her particular case. When she sued PCA and credit reporting agency Experian ???????? the provider of the report - a district court in northern California ruled in favor of PCA and Experian. Pintos appealed the case to the 9th Circuit Court of Appeals which overturned the original ruling.

In its Sept. 21 ruling, the appellate court????????s panel of judges found that debt collection, by itself, did not constitute permissible purpose for an agency to access a consumer????????s credit report, reversing a long-held standard used by collectors. At particular issue was the establishment of a voluntary credit transaction under the Fair Credit Reporting Act on the part of a consumer.

In the ACA????????s teleconference, two collection law experts answered questions on the case from listeners. John Bedard, of Norcross, Ga.-based Franzen and Salzano, and Tomio Narita, from San Francisco-based Simmonds and Narita, attempted to assuage fears that the decision might be more broadly applied.

Bedard said that in order for collectors to establish permissible purpose to access a credit report under the FCRA, three questions must be satisfied: Did the consumer directly participate in the transaction? Was there a deferred payment arrangement? And was the consumer voluntarily seeking credit?

???????If ???????yes???????? is the answer to all of the questions,??????? said Bedard, ???????then you have a 'credit transaction'."

The Pintos case involved a consumer????????s car being towed after abandonment. Local police had a towing company remove the car from a public street and created an account for costs associated with the towing and impoundment. The company ultimately sold the car, but the proceeds did not cover the costs. So a deficiency balance was created which was forwarded to PCA. When PCA attempted to collect, the company pulled Pintos???????? credit file.

Although the ruling probably was in-line with Bedard????????s test, many in the industry worry that the case????????s precedent will be applied to other debt types. Non-sufficient-funds check charges, overdraft fees, and even medical debt are up for scrutiny under the Pintos ruling, according to Bedard and Narita.

Both attorneys said that credit card debt was safe under the ruling. In response to a question posed by a teleconference participant, Narita said, ???????It????????s safe to assume [credit card situations] do not apply.???????

Hayes notes there????????s a mistaken sense of relief among some collectors that Pintos appears to only apply to 9th Circuit cases. "Technically, Pintos has precedential value only in the Ninth Circuit. However, it may have broad-reaching implications for other jurisdictions as courts may use Pintos as the basis for interpreting the FCRA in the same manner," said Hayes

And the 9th Circuit is huge, handling appeals for Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Washington as well as the territories of Guam and the Northern Mariana Islands.[/quote]

good info lawstudent! wtg!

I guess I don't understand what reason a CA would have for pulling my credit report anyway? I don't know if this topic has been covered before; however, I would like to know.

If a CA were to pull my credit report right now, they would see other delinquencies as well as the one they are collecting on. I'm not sure how this information would benefit them.

Someone please explain?

I think they pull it to see what is being reported as your current address, employer, other names used, etc. for purposes of being able to track you down.

Also, pulling your reports enables them to see what types of accounts are reported, and if there is any credit available on any of these accounts that could be used to pay the debt they're trying to collect.

I called a collection agency to try and work out a payment arrangement, and they pulled my credit report while I was on the phone with them, and advised that they could see I had a mortgage and a home equity line of credit available. So, get the full amount of what they were trying to collect from that.

They are looking for current information and also old info. You would be suprised at how many people move back to a home they lived at a few years ago or back to an old employer. They are also looking for assets.