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pamelavan21

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Can debt collectors do a hard inquiry on me without my permission?

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No they can NOT.

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No they can NOT run "Hits" on your credit. Pinto vs. Pacific, in which the Ninth Circuit Court. The case summary is as follows:

The Fair and Accurate Credit Transactions Act of 2003 made clear that debt collection was a permissible purpose for obtaining a credit report under Section 1681b(a)(3)(A) only in connection with a "credit transaction" in which a consumer had participated directly and voluntarily.

AFAIK, no other court has overturned this decision nor have any appeals been successful. This case does show precedence that a CA pulling CRs on a debtor is a clear cut case of NON PP.

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thank you for the reply.  I also have another question....don't old debts drop off your credit report after 7 years?  for example one of these creditors inquiring is from an old cell phone termination fee unpaid from 8 or 9 years ago? 

Also how did you know the answer to my question? Are you a lawyer? or credit couselor?

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ROBERT STRADER

CAN DEBT/DEALERS RUN A HARD INQURY WITHOUT MY PERMISSION?

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Can debt collectors do a hard inquiry on

Only if they can prove you owe the debt.

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They're trying to get paid, so YES, they can.  On your credit report are other necessary bits of information like your job and your address.  Best thing to do is to avoid collectors by poaying all bills as agreed and getting them paid in full as fast as possible.

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