 Credit Cards??? Please Help...? |
Okay so I am trying to get my first credit card... I want to build up good credit considering I currently have NO credit...
My problem is that I have applied for a couple of credit cards and got ... |
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 Payday loan advise? |
| My husband and I defaulted on a payday loan and now the company called us and told us that it was bank fraud. does anyone know if they are just throwing out "big words" at me or are they ... |
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 How soon after an account has gone into collections were you issued a judgement? |
| I have an account on my cred. report. Last date of activity was October 2002. It is listed under the collections area of my report - and it is listed as a 'current delinquency'. I get a ... |
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 Halifax are crap? |
| my other half had a account with halifax. he used his halifax card to pay aol through direct debit. we was getting a really crap service from aol so we went into the bank and asked one of the guys ... |
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 A collection agency is demanding payment for a credit card I never had!? |
| Federal Pacific Credit Company of Utah is demanding payment for a credit card I never had. I wrote to them and asked for verification directly from the "supposed" creditor and they sent me ... |
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 Am I the only person who makes two payments on their credit card bill in one month? |
| I've done this once before and only because I have a bit of a balance. Guess I figured if I have the money in my account right now, might as well make another payment on the credit card, before ... |
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 Can I open a checking account and get a credit card if I'm only 16? |
| I have a job and everything and I want to but my dad says the legal age to do that is 18. Is that true, or does he just think I'm irresponsible and is just telling me that to prolong me getting ... |
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 Credit cards, please only answer if you know, how do I shut it off ?>? |
| Ok, I already have bad credit. I have 2 credit cards and they just keep adding fees like crazy, I will pay them, but what I want to know is can I contact them in any way and document that I will pay ... |
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 Can you file chapter 13 twice in a 10 month period? |
| A family member filed ch 13 last summer to protect from foreclosure they fell behind on payments an now needs to file again is that possible ?... |
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 I am 19 yrs old and severly in debt.... i need to know how to consolidate and get rid of it? |
| I have about 4 payday loans out and a credit card that i have never paid for... i also have two kids a car note and rent every month plus the upkeep of my apt and car! i really want help.... i am ... |
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 Where & How to start to to clean up ALL unpaid bills/debt? |
I have some unpaid medical bills,
a few regular unpaid bills
and broken lease.
Maybe about $6,000-$7,000 total or so.
I have been wanting to wanna clean this up for a long ... |
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 Creidt card help!!? |
| Im looking 4 a credit card. does anybody know a credit card company the approves u no matter ur credit score?... |
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 What happens when your credit card expires? |
| Do you automatically get a new one in the mail, or do you haev to reapply for a new one. Bank of A... |
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 What's a good, SAFE website or way to check my credit score? |
| I thought about freecreditreport.com, but I just wanna make sure that's safe and reliable. If not there, then where should I go? Thnks! 10pts Best Answer!... |
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 Im thinking about filing chapter 13 and doing debt consolidation, any thoughts or experiences? |
| I pay all my bills on time (for the most part) but it's nothing but the minium, I was thinking about doing chapter 13 debt consolidation, is this wise?... |
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| What happens when you can't pay your credit card, I owe more than I could pay off in a lifetime? |
| I owe 20.000 dollars@ 500.00 a month. I no longer can pay it.I feel extreamly bad, and scared of what might happen. My name is the only one on the account, I know it will ruin my credit , but will it ... |
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Tracee D | Can Debt Collectors make a Hard Inquiry to the Credit Bureaus, Without your consent? |
If they cannot, what can I do about it, if they did? |
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echo
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IF they own or was assigned the debt they have a legal right to pull either softs or hards.
If they do not own or was assigned the debt, or had owned/was assigned the debt at one time but no longer have it, you have a legal right to dispute the inquiry.
If it is not deleted, you have a legal right to sue them. |
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The Oracle
 |
Yes they can. they probably have signed over the debt to this collection agency. The agency has the same rights as the person/business you owed the money to.
Have you thought about making payments. No matter how small. this tends to appease the debt collectors.
If you are unable to pay, you probably should go to a finance management course to better learn how to manage your money. |
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Ed
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That what credit bureaus are for. So that anyone can check credit ratings of anyone. And the only thing you can do about it is make sure that the credit bureaus have accurate information. |
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Luckys Charm
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inquries are disputable. Wtite them a letter informing them that you didnt authorize and for them to remove it. Makr sure you sen a certified copy to both bureau and debt collector. |
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stopccdebt
 |
All of these answers are incorrect. They cannot make a hard inquiry. They can check your credit report without your consent. It is called an account review credit check, and you will see it listed in the section of inquiries that does not affect your credit score. This is a soft inquiry. |
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Jason K
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As it seems like you know, there are 2 types of inquiries for Credit Reports. One can be made without any consent, this is how you end up with a zillion credit card applications, because they do soft pulls which only give them access to limited information. Those pulls do not show up on your report, and don't affect your credit score.
If they do a hard pull, you would know because inquiries show up on your report. Visit annualcreditreport.com (NOT freecreditreport.com) to get your free report if you haven't already.
In order to pull a full credit report, you have to give permission - but, sometimes you unknowingly give more permission than you think. It is up to the original place you gave the right to pull credit on you. They disclose to you how they will pull credit and what they will do with it. It is also up to federal and state laws as to whether they could do more with it.
The debtor may have included whether they would disclose that report to a collection bureau should you fail to repay them.
Each institution is different. Where I work (a Credit Union), we only pull credit during the loan process, not later. We cannot pull credit later without a signed authorization. Some places have you sign up front to allow them to pull credit again later.
You would need to read your disclosure with the debtor to find out what you gave permission for. I do not know if they can transfer the right to pull credit or not. That is probably different depending on where you live, there are many states with different laws some of which supercede the federal code.
I would check with a local attorney. They will also tell you what recourse you would have if you can prove they pulled credit unlawfully. I would bet you could get that question answered for free. |
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Rana W
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Only if they have permissible purpose to pull a hard.
Purchasing the debt, or already owning the debt is examples of permissible purpose.
Unfortunately, some collection agency's feel it is their duty to pull a hard inq. every month. I guess they get their jollies in screwing up your credit even more by pulling as often as they can. |
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holykrikey
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Absolutely. They have every right to find out if you have the means to pay them and there is nothing you can do about it. |
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