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If you have any problems with the registration process or your account login, please contact us. | Advanced Credit Repair - Dealing with Collection Agencies Discuss NCO excessive inquiries in the CREDIT AND LEGAL ISSUES forums; Just got my updated TU report...look what I found.
Under the regular inquiries section - (where it says the following companies have received your credit report, their inquiries remain on ... 
10-07-2007, 09:40 AM
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#1 | | Member
Join Date: Jun 2006
Posts: 68
Casino Cash: $308900
| NCO excessive inquiries
Just got my updated TU report...look what I found.
Under the regular inquiries section - (where it says the following companies have received your credit report, their inquiries remain on your credit report for 2 years...)
NCO Financial excessive inquiries:
6/8/2007
4/30/2007
1/13/2007
11/2006
2/3/2006
I did not authorize them to do this...arent these inquiries lowering my score? Now what?  | 
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10-07-2007, 10:46 AM
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#2 | | If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,538
Casino Cash: $1110600
| NCO is a collection agency, and they do not need your authorization to pull your cr. Have they dunned you?
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How come "phonetically" is spelt with a "ph"? | |
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10-07-2007, 12:41 PM
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#3 | | HONORED GUEST
Join Date: Jun 2006 Location: West-By-God-Virginia
Posts: 6,518
Casino Cash: $1746925
| IMHO, that is excessive but you'd have to prove it is so in a court of law. Off the top of my head and with little sleep, I don't recall any caselaw to this effect but there may be. Does NCO own any paper you owe or are they attempting to collect?
__________________ Please be advised that I am not an attorney and nothing I post on this forum should be construed as legal advice. Let's Go Mountaineers!! Let's Go Drink Some Beers!! | |
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10-07-2007, 12:53 PM
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#4 | | Elite Member
Join Date: Oct 2006
Posts: 524
Casino Cash: $415075
| They need a permissible purpose to pull, such as attempting to collect, right? | |
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10-07-2007, 01:09 PM
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#5 | | HONORED GUEST
Join Date: Jun 2006 Location: West-By-God-Virginia
Posts: 6,518
Casino Cash: $1746925
| Quote:
Originally Posted by neil5623  They need a permissible purpose to pull, such as attempting to collect, right? | Yes. There has been some discussion of pulling of reports when a JDB is thinking of buying debts you owe...however, while that may be a legitimate business need for the JDB, I am not sure whether or not it can be done for that purpose (arguably due diligence) especially if the JDB doesn't end up buying the paper.
__________________ Please be advised that I am not an attorney and nothing I post on this forum should be construed as legal advice. Let's Go Mountaineers!! Let's Go Drink Some Beers!! | |
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10-07-2007, 06:23 PM
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#6 | | Administrator
Join Date: May 2006
Posts: 2,294
Casino Cash: $963050
| Quote:
Originally Posted by neil5623 They need a permissible purpose to pull, such as attempting to collect, right? | In general, section 604 of the FCRA gives them a PP, but that can be argued.
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It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation. | |
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10-08-2007, 12:00 PM
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#7 | | Member
Join Date: Jun 2006
Posts: 68
Casino Cash: $308900
| I kept receiving calls and bills from NCO for medical accounts from a Hospital that didnt exist. I disputed with the CRA's and then sent certified cease and desist letters to NCO. It looks like every time I dealt with their nonsense, they pulled my report. I did get 3 accounts deleted tho.
I dont have time to pursue this in court, but I am concerned if these inquiries have lowered my score. | |
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10-08-2007, 01:02 PM
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#8 | | If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,538
Casino Cash: $1110600
| You sent C & D's. Did you request them to validate the debt and then dispute with the CRAs?
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How come "phonetically" is spelt with a "ph"? | |
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10-08-2007, 02:35 PM
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#9 | | Administrator
Join Date: May 2006
Posts: 2,294
Casino Cash: $963050
| If the hospital does not exist; I'd start interviewing lawyer's.
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation. | |
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10-08-2007, 02:55 PM
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#10 | | Elite Member
Join Date: Jul 2006
Posts: 437
Casino Cash: $353450
| Quote:
Originally Posted by Marswoman I dont have time to pursue this in court, but I am concerned if these inquiries have lowered my score. | Well, a good indicator would be if you got denied credit due to excessive inquiries.
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Quoted from roybean at IC, "you don't need case law...it is written, so let it be done." | |
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