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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 Permissible purpose in the CREDIT AND LEGAL ISSUES forums; I just found a recent inquiry on my CR. This CA I never heard of before, pulled my credit report and they probably told the CRA their PP is a ... 
05-30-2008, 10:22 PM
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#1 | | Junior Member
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| Permissible purpose
I just found a recent inquiry on my CR. This CA I never heard of before, pulled my credit report and they probably told the CRA their PP is a collection.
Is the PP nullified by the fact that the CA is not authorized to collect debts in the state where I live? | 
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05-30-2008, 10:49 PM
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#2 | | Administrator
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| I don't think it would be nullified, but you can always dispute saying that you've had no business dealings with the entity.
Edit....because I left the word 'No' out.
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Last edited by roybean; 05-31-2008 at 10:11 AM..
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05-30-2008, 11:07 PM
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#3 | | HONORED GUEST
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| Who is the CA in question? My guess is that they CAN be found in the SOS database...
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05-30-2008, 11:17 PM
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#4 | | Junior Member
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| I already tried the debt collector search from SOS website and they were not there. SOS is down right now, but the CA is "Plaza Associates". | |
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05-30-2008, 11:35 PM
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#5 | | HONORED GUEST
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| As I recall, Plaza was a DBA for a company with an active bond.
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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05-30-2008, 11:47 PM
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#6 | | Administrator
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| They will run as soon as you dispute.
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"Be surprised at what people won't do and not at what they do." | |
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05-31-2008, 12:01 AM
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#7 | | Junior Member
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| Quote:
Originally Posted by centex  As I recall, Plaza was a DBA for a company with an active bond. | I think you are right. Was it "Aid Associates Inc."? | |
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05-31-2008, 09:08 AM
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#8 | | HONORED GUEST
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Originally Posted by cjtx I think you are right. Was it "Aid Associates Inc."? | I don't remember who it was, but it was something I recalled from the days when we got the database in spreadsheet form via email from Nina...i
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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06-02-2008, 07:29 AM
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#9 | | HONORED GUEST
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| Plaza is in the database...
Principal Name: Aid Associates Inc dba Plaza Associates
Address: 370 Seventh Avenue
New York, NY 10001-
File Number: 970316
Status: Active
Date Filed: 8/1/1997
Cancellation Date:
Phone: (212) 947-7233
Bonding Company: Travelers Casualty and Surety Company of America
Bond No: 775224103TX
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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06-02-2008, 08:47 AM
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#10 | | If You Do Not Like It, Kiss My...
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| The TX Debt Collector database is not the friendliest to search. I always start on a zip code only. If you don't find it the first time, you need to search 3 or 4 different ways before you decide they don't have a bond.
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How come "phonetically" is spelt with a "ph"? | |
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06-02-2008, 09:44 AM
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#11 | | HONORED GUEST
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Originally Posted by jlynn The TX Debt Collector database is not the friendliest to search. I always start on a zip code only. If you don't find it the first time, you need to search 3 or 4 different ways before you decide they don't have a bond. | The problem that seems most frequent is that many search engines will accept the 'enter' key as being the same as clicking 'submit' or however the function is labeled. The SOS site does not. Just hitting the 'enter' key on the keyboard gets you a 'no results' type of response...
The other issue is improper use of the wildcards...in this case, the quickest way to find Plaza was %plaza% in the name line and then click submit...
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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06-02-2008, 10:32 AM
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#12 | | Elite Member
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| What about the original question, now in a hypothetical form?
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06-02-2008, 10:39 AM
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#13 | | HONORED GUEST
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Originally Posted by VexatiousLitigant What about the original question, now in a hypothetical form? | That is too much of a fact-dependent question to be able to give a one-size-fits-all answer. I can easily envision scenarios that lend themselves to bona-fide error defenses...
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Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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06-02-2008, 04:17 PM
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#14 | | If You Do Not Like It, Kiss My...
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Originally Posted by centex That is too much of a fact-dependent question to be able to give a one-size-fits-all answer. I can easily envision scenarios that lend themselves to bona-fide error defenses... | I can't see not being bonded by a State as an oops my bad error - unless he has just recently moved to TX and they didn't know that UNTIL they pulled a report.
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How come "phonetically" is spelt with a "ph"? | |
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06-02-2008, 05:12 PM
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#15 | | HONORED GUEST
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Originally Posted by jlynn I can't see not being bonded by a State as an oops my bad error - unless he has just recently moved to TX and they didn't know that UNTIL they pulled a report. |
And therein was one of the very scenarios I envision and is precisely why there cannot be a one size fits all answer...
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else? | |
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06-02-2008, 11:45 PM
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#16 | | Administrator
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Originally Posted by cjtx I just found a recent inquiry on my CR. This CA I never heard of before, pulled my credit report and they probably told the CRA their PP is a collection.
Is the PP nullified by the fact that the CA is not authorized to collect debts in the state where I live? | Did you send a PP letter to the CA?
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06-03-2008, 04:03 AM
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#17 | | Junior Member
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Originally Posted by Enigma Did you send a PP letter to the CA? | Yes, but no response so far and it's been almost 30 days. | |
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