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How many times can a collection agency inquire on your credit report?

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2007-01-04 03:27:08
2007-01-04 03:27:08

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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if a collection agency has not bought out my debt from the original company can the collection agency look up my credit report?

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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.

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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.

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It wount be a collection aggency. But the city can put a judgment on your credit report that will effect your credit score.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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== == Collection agencies do not have the legal right to pull your credit report unless you gave them permission.

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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

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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.

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

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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

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

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It's a collection agency after you for some unpaid debt.

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

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The original creditor either sells the debt to a collection agency or the collection agency may aquire the debt on a contingency basis. At any rate once the account is in collections 30 days from the date of turn over the collection agency has the right to report the account to the credit bureau. Accounts are sent to the credit bureau via internet with encrypted files.

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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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It sticks for 7 years. The fact that it was turned over to a collections agency will make it to your credit report. When it is paid in full, it will say "settled" on your credit report so other creditors know you took care of the debt. Even so, it still haunts your credit report for 7 years.


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