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Question By
FJLawrence

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Are repeated hard inquiries from a collection agency legal?
The law permits collections agencies "with a permissible purpose" to pull a debtor's credit report. Section 604 of the Fair Credit Reporting Act (FCRA), [15 U.S.C. § 1681b], sets forth the "permissible purposes."

However, I have a situation where a collection agency has been repeatedly engaging in hard pulls during each year, which the credit reporting agencies then treat as separate pulls for score calculation purposes.

In other words, since the law allows the collection agency to pull the report in the first instance, is there anything else in the law that prohibits the agency from doing so repeatedly, thereby sabotaging a person's credit score? After all, you can see how a vindictive collection agency could use this as a way to sabotage a person's score.

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