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Can a collection agency pull your credit?
Wiki User
November 11, 2010 6:47PM
No!
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Yes if they have permissable perpose to do so (ie: Collection On Your Account)
Related Questions
Asked in Credit Reports, Credit
How many times can a collection agency inquire on your credit report?
Unless you have given a collection agency written permission to
pull a full credit report they are in violation of credit laws.
Asked in Credit Reports, Improving Your Credit Rating, Credit
Can a collection agency make inquiries on your credit report before placing it's debt?
== == Collection agencies do not have the legal right to pull
your credit report unless you gave them permission.
Asked in Credit Reports, Credit
How do you find out from a collection agency who sent you to them for collection when you never was notified that you were in collection you discovered it on your credit report?
File a dispute with the credit reporting agency.
Asked in Debt Collection
Collection agency laws?
if a collection agency has not bought out my debt from the
original company can the collection agency look up my credit
report?
Asked in Credit and Debit Cards, Credit Reports, Credit
If you settle an old credit card debt with a collection agency paying the negotiated price in full will the collection agency remove the collection from your credit report?
No the collection will not be removed from the credit report.
They will show it paid in full.
Asked in Credit Reports, Credit
How many years can a collection agency still pull your credit report?
A collection agency can't access a credit report w/o the
permission of the party involved. They may try to mislead someone
into believing they are able to do so, and that is a violation of
the FDCPA and should be reported as such.
Asked in Personal Finance, Credit and Debit Cards, Credit Reports, Improving Your Credit Rating, Money Management, Credit
How can you mend your credit after a paid collection?
Only the credit bureaus the collection agency can remove a
collection from your credit report. The collection agency won't do
it now since it is paid and they have no reason to. You can dispute
it to the credit bureaus and ask for verification on the account.
They will have 30 days to verify the items or it must be removed
from your credit report.
Asked in Personal Finance, Debt Collection, Money Management, Credit
What does a collection agency do to your credit?
They don't do anything. Failure to pay bills causes credit to be
reported badly and your credit score to go down. All a collection
agency does is go after you for the money.
Asked in Credit Reports, Improving Your Credit Rating, EMT and Paramedics, Ambulances
Can an unpaid ambulance bill hurt your credit?
Yep! If the ambulance company turns your account over to a
collection agency that agency might report the collection on your
credit. Medical collections are the most common type of collection
on a credit report.
Asked in Foreclosure
What happens if you do not pay a collection agency?
if a collection agency isn't paid, the debt can be put on a
persons credit report. The collection agency can also choose to
garnish a persons paycheck.
Asked in Credit and Debit Cards, Credit Reports, Debt Collection
Can a collection agency collect interest on your debt?
Yes, Collection agency can do that. But contact a good
collection agency like Guardian Credit Services, they know will how
to deal with customers to get money
Asked in Credit and Debit Cards, Credit Reports, Debt Consolidation, Credit
What does it mean when your credit report states that you have a paid closed collection account on you credit report?
The original account with a normal credit company went to a
third party collection agency. Only after it went to the collection
agency was the debt paid and then the account closed.
Asked in Credit Reports, Debt Collection, Improving Your Credit Rating, Credit
Can a collection agency continue to report a collection account to the credit bureau after the account is sold to another collection agency?
No, once a collection agency relinquishes their claim to the
account by selling it they must remove all negative trade lines
related to that account from your credit reports.
Hope this helps
ST
Asked in Personal Finance
Who is ICC collections?
Interstate Credit Control - they are a collection
agency
Asked in Debt Consolidation, Credit and Debit Cards, Credit Reports
Can I use my credit card after I pay off the collections agency?
No. Once it is sent to a collection agency the company has
closed the credit card.
Asked in Credit Reports, Credit
Can a collection agency for a parking ticket be put on your credit report?
It wount be a collection aggency. But the city can put a
judgment on your credit report that will effect your credit
score.
Asked in Credit Reports, Credit
How do you get paid collection accounts removed from your credit report?
Removing Paid Accounts from a Credit Report
If you haven't paid your collection account(s) yet, negotiate with
the collection agency. State that you plan to pay in full, and that
you want them to agree to remove the item from your credit report.
If you've paid, and the item remains on your report, go to the
credit bureau and dispute the item that has been paid. It's a good
chance that the collection agency has purged your record and
therefore will NOT verify a dispute investigation from the credit
bureau. If the credit bureau doesn't receive verification from the
collection agency in thirty days, they are obligated by law to
delete the item from your credit report.
Only the collection agency or the credit bureaus can remove
collections off your credit report. You can either negotiate with
the collectiona agency or dispute it to the credit bureaus.
Asked in Debt Collection
How do you get rid of the money that you owe from collection agency without paying them and become good credit again?
how to get rid of the money that you owe from collection agency
without paying them and become good credit again
Asked in Credit Reports, Debt Collection, Credit
Can a collection agency repeatedly pull your credit report to see if you have acquired new creditors or more income?
Yes, if they are acting as a direct agent of the original
creditor.
Asked in Credit Reports, Credit
How do you remove collections from credit report?
You can remove collections from your credit report by disputing
them to the credit bureaus. The credit bureaus have 30 days to
verify your collection with the collection agency or it must be
removed from your credit report.
Asked in Credit and Debit Cards, Credit Reports, Debt Collection
Can a credit collection agency threaten felony charges?
No it is a violation of the Fair Debt Collection Practices
Act
Asked in Credit and Debit Cards, Credit Reports, Debt Collection, Credit
How long do unpaid credit cards stay on your credit report in NY state?
Technically seven to ten years. When a credit card goes into
default it gets written off on the creditors taxes as a loss and
gets sold to a collection agency for 10 to 20 percent of the
original loss. Down the line it gets sold from collection agency to
collection agency.
Asked in Credit Reports, Improving Your Credit Rating, Medical Billing and Coding
Can a collection agency report you to the credit bureau if you are making monthly payments on your medical bill?
If the debt was properly assigned by the original creditor, yes.
If you are making payments to the Original creditor than ask them
to pull it back from there Collection agency, then dispute with the
CRA's and when they update it should delete
Asked in Credit and Debit Cards, Credit
Can a collection agency file a judgment on you for credit card debt in Texas?
No. A collection agency has no legal authority. They can refer
the account to a collections attorney who can then file a lawsuit
for the debt owed. Yes! A collection agency has the right to file a
lawsuit as the assigned creditor under the agreement that you
signed when applying for the credit card.
Asked in Credit Reports, Debt Collection, Credit
Legally can a collection agency pull your credit report without permission?
I have one colletion agency that has pulled my credit report. I
really felt violated. He started telling me about all the stuff on
there .. and that I should be able to pay. Either I pay it off in
the next 6 months or I'll be sent to court. Is what he is doing
legal? Thanks!
Legally, no. Check out the below link
http://www.creditinfocenter.com/wordpress/2008/08/06/can-collection-agencies-pull-your-credit-report/