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Maybe, the answer lies in the original agreement made with the OC. Some creditors have a stipulation in the contract which in essence says the debtor/borrower agrees if the account is assigned to a collection agency the agency has the same rights as was granted the OC. The OC had the right to access the consumer's report before allowing him/her credit, therefore the collector acting as the OC's agent can do the same. OC = Original Creditor
What else can I help you with?
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.
How can you know if you have any credit?
Pull your credit report: www.annualcreditreport.com (free Equifax report)
How can you find out what credit cards are in your name?
Pull your credit report.
What is a soft credit report apposed to a hard credit report?
The nomenclature generally used in the credit report industry is usually "hard pull" and "soft pull". A hard pull of your credit history is done when a potential lender retrieves your credit file on your behalf for the purpose of deciding whether to extend credit to you or not. A soft pull is done when you want to pull your own report for review purposes only or when a lender checks your credit without your permission (perhaps to pre-qualify you for a credit card offer).
How often can you pull your credit report?
The credit report holder can check his or her report as often as they choose. When you check your credit report it is considered a "soft inquiry" and will not affect your status.
How do you pay credit card charge-offs?
I am a professional debt collector and would say the best answer would be to either contact your credit card company and see to whom they sold the debt, as they no longer own the debt and therefore can not help you rectify the situation. The other option would be to pull a credit report on yourself and check to see if the collection agency is on your report, or if there was an inquiry on your report from a collection agency.
Can a law firm that you owe money to pull your credit report without authorization?
Any business that you have dealings with can "Pull" a credit report. I would think that they would do so before allowing you to get into debt. But if they do it after it is still legal.
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.
How can you know if you have any credit?
Pull your credit report: www.annualcreditreport.com (free Equifax report)
How can you find out what credit cards are in your name?
Pull your credit report.
My husband is incarcerated. can you pull his credit report?
No only he can pull his credit report but him or a creditor with a permissible purpose, if you do and use his info it is considered fraud.
What is a soft credit report apposed to a hard credit report?
The nomenclature generally used in the credit report industry is usually "hard pull" and "soft pull". A hard pull of your credit history is done when a potential lender retrieves your credit file on your behalf for the purpose of deciding whether to extend credit to you or not. A soft pull is done when you want to pull your own report for review purposes only or when a lender checks your credit without your permission (perhaps to pre-qualify you for a credit card offer).
How often can you pull your credit report?
The credit report holder can check his or her report as often as they choose. When you check your credit report it is considered a "soft inquiry" and will not affect your status.
Do credit card counseling services get a record of all your debt?
They can pull your credit report and get almost all records. Except few: more than 7 years old and Medical bills (current)
Can a debt collector pull funds out of a joint account if the person holding the debt is not the primary account holder?
yes. i had it happen to me
If you cosign for an apartment lease will an amount show up on your credit report even though you are not the primary borrower?
A lease is not an agreement to lend money, but to accept monthly installments in exchange for housing over a period of time. Since there is no debt, there is nothing to report on a credit report. The leasing agency will pull both of your credit reports to make sure they want to offer you the lease, and it may create a small address variance on your report (this is unlikely to be of consequence and will not affect your score) unless they make the pull with your correct address. Nothing from your leasing company will appear on your credit unless you default on monies owed (leave without paying a portion of rent or a deposit). If that occurs, they will usually sell the debt to a collection agency that will report you to the credit agencies. A lease is not an agreement to lend money, but to accept monthly installments in exchange for housing over a period of time. Since there is no debt, there is nothing to report on a credit report. The leasing agency will pull both of your credit reports to make sure they want to offer you the lease, and it may create a small address variance on your report (this is unlikely to be of consequence and will not affect your score) unless they make the pull with your correct address. Nothing from your leasing company will appear on your credit unless you default on monies owed (leave without paying a portion of rent or a deposit). If that occurs, they will usually sell the debt to a collection agency that will report you to the credit agencies.
What are the fastest ways to pay off credit card debt?
One of my first suggestions would be to pull a copy of your credit report. I would then have you go through and pay off each incident on the report. A financial advisor could help you to get all of these incidents in line.
