2006-09-01 11:00:12 · 7 answers · asked by t_storm031 1 in Business & Finance ➔ Credit
UPDATE -- I am paying off debt from an ER stay ..I am not late in payments ... and today I received a call from a collector . She had obviously accessed my credit score AND listed off every single account that I have ever had and the balances. She also threatened to change my rating if I did not pay the entire hospital bill today .
2006-09-01 11:08:10 · update #1
Steven gave you a good link to a site where you can learn your rights, you should read it.
Who are you paying? A collection agency or the original medical provider?
Like another poster said, what she did is illegal, but unprovable unless you have it on tape or paper. Also, she cannot do anything to your scores or report if she does not own, or was assigned, the debt
It sounds like that collection agency either has the account or the original medical provider is planning on selling the debt.
If the collection agency "does not" own any of your debts, you are allowed by law to send them a cease and desist. Just be sure that they do not own any of your debts. If they do own your debts and you send that letter it pretty much gives them the only choices to either sell it or sue.
If they "do" own your debts, she has 5 days to send you something in writing after that phone call - By Law !! And, she cannot "legally" place anything on your reports without giving you the legal amount of time to respond. Which is within 30 days after first contact. And, if you send a debt validation letter within the first 30 days, she cannot place anything on your reports until after she validates your debt.
If they do own your debt, wait the 5 days and then send a debt validation letter. Send it certified mail, return receipt - (papertrail)
The credit bureaus often sell peoples info to either lenders or collection agencys. It's one of the ways they make their money. Usually the people who purchase the info from the bureau do soft pulls to see if that person fits their criteria. One way to stop it, if you have bad credit is to opt out. Opting out keeps the bureaus from selling your info.
1-888-5-OPTOUT (567-8688)
If a person has good credit, opting out isn't a good idea since they would miss possible good deals.
2006-09-01 12:55:59 · answer #1 · answered by echo 7 · 0⤊ 0⤋
Only someone with a 'legitimate business interest' or someone you give permission to can legally access your report. Anytime you apply for credit, the creditor has a 'legitimate business in interest'. Insurance companies often use credit scores in determining rates. Many employers now consider credit scores, particularly for sensitive positions or those with easy access to large amounts of cash.
If a collection agency read of balances on other accounts, or threatened to 'ruin' your score, they most likely violated the Fair Debt Collections Act. The FTC's website may be useful.
2006-09-01 11:34:44 · answer #2 · answered by STEVEN F 7 · 1⤊ 0⤋
Utility Companies, Landlords, Insurance, and anything that you are going to finance and purchase with a signature is going to have a credit check completed.
Your current creditors may also review your credit report, originating from the first signature you gave to them. That will enable them to increase your credit, or just periodic credit review. They also look to see if your personal information has changed. You can also opt out from the credit bureaus if you do not want those unwanted credit card solicitations.
Look at your credit report and see who has been looking in your file. www.annualcreditreport.com
2006-09-01 11:06:48 · answer #3 · answered by Anonymous · 1⤊ 1⤋
the respond to your enormous question is definite! agencies are prohibited from annoying an identity from purchasers. agencies do no longer make it less difficult for CC robbery. No they do no longer look to be. they're honoring their contracts. finally, it is not your duty to hint down the criminal. bypass away that to the police. record a declare with your financial enterprise for the fees you probably did no longer make. The enterprise wont lose because of the fact the CC companies assume all criminal duty.
2016-12-11 19:12:21 · answer #4 · answered by Anonymous · 0⤊ 0⤋
You have to sign something to allow a person or company to check your credit score. Usually for a credit card, apartment, mortgage, new job, etc.
2006-09-01 11:02:12 · answer #5 · answered by Stephanie A 2 · 0⤊ 1⤋
Anyone that you have authorized to obtain your credit report, and anyone that you have a credit relationship with. Please visit this website for your rights regarding collection agencies:
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm
2006-09-01 14:45:30 · answer #6 · answered by what the heck? 3 · 0⤊ 0⤋
no one can, without your authorization.
2006-09-01 11:03:46 · answer #7 · answered by loveholio 5 · 0⤊ 1⤋