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Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.

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โˆ™ 2007-01-04 03:27:08
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Q: How many times can a collection agency inquire on your credit report?
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Related questions

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.


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.


Is there a dollar amount for collection agency's to report to the credit bureau?

A collection agency can report you to the credit bureau for any amount of money. There are agencies that will report for amounts under a hundred dollars.


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?


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.


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.


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.


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.


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.


If a second collection agency takes over a unpaid debt can they have that collection put on your report?

Yes the second collection will be placed on the credit report. But they will remove the first collection agency off the report. In some states it is against the law to be double billed by two collection agency for the same debt.


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.


How do you find the collection agency's contact information if the reference on your credit report says only 'medical collection account'?

Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.


Are you asking a collection agency to falsify your report if you ask them to remove a paid account from your credit report?

no.


If vehicle was repossessed in 2004 but ex spouse stopped paying consistently in 1999 What date must the collection agency report to the credit bureau?

The collection agency typically does not report to the credit bureaus, the original lender does. Lenders report to the bureaus, collection agencies collect on delinquent debt.


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.


If you pay a collection agency does the collection come off of your credit report?

Yes you tell the collection agency you will pay ONLY if they can give you a letter that say they will delete the item from your report it's call pay for deletion


Can a credit card debt that was charged off and sold to a collection agency be reported on your credit report?

Yes.


Can a collection agency report a debt without contacting you first and claim to not have your current address on file?

I have no answer, but want to know how to get the collection agency to remove a false report from my credit rating. They called once and never sent anything in writing, however have posted to my credit report.


Does an account put with a collection agency always show up on your credit report?

This depends only if the creditor originally reported your account to your credit report.


Where do you pay collection accounts that are reported on your credit report when the company is out of business or no longer handles the account that was reported for collection?

You pay the collection agency.


Asking If you pay the collection agency can you have the derogatory item removed from your credit file?

pay the collection agency, then check what their report is about you, if not good threaten to get a attorney and bring suit


Can a debt collection agency legally identify themselves a 'collection agency' when placing inquiries on your credit report when the debt in question was charged off over a decade ago?

No.


How do you get paid collection accounts removed from your credit report?

Removing Paid Accounts from a Credit ReportIf 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.


Can a collection agency check your credit report?

only if they have a permissible purpose outlined by law to do so.


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.

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