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Advanced Credit Repair - Dealing with Collection Agencies Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS...

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Old 01-23-2008, 08:33 PM   #1 (permalink)
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Getting Hard coies of your credit report

Hey guys,

My MIL works at a Mortgage loan dept and can pull my wife's CR. Can I use this for monitoring what is actually on her credit. I know you can go online and get "soft pulls" but they do not show everything. Would this approach be acceptable. We have had a mortgage through their company, so PP I believe is OK 9Am waiting for my wife to OK it before I do tho) I hope there are NO "illegalities" from this. I do not have time to wait for the CRA's to send them to me. I am only home every other month and trying to fix her score is my main concern.

Cheers,

Ian
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Old 01-23-2008, 10:03 PM   #2 (permalink)
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Do not do that...it will count as a hard pull and kill her score.

Just call them and say you were denied credit and it will be free.
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Old 01-23-2008, 10:08 PM   #3 (permalink)
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Actually no PP is there. Second, it is against the user agreement with the CRA to do that and as Spinn said, it's a hard pull.
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