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Does a collection agency have the right to do an inquiry on your credit history without your permission?
Wiki User
∙ 8y ago
No. Credit history can only be obtained if the person has given their permission.
Any company accessing your credit must have a permissable purpose as defined by the Fair Credit Reporting Act. One such purpose is an inquiry relevant to an existing account. Collection agencies frequently perform inquiries based on their contractual relationship with their client (who had a contractual relationship with you), therefore allowing them access to your credit file.
Wiki User
∙ 8y ago
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