Can a past creditor pull your credit report?

Question

In 2001 I opened a jewelry account. Due to unfortunate events I was unable to pay it off. I pulled up my credit report and FICO score. It shows they have requested my credit report again in 2005, and 2006. Is this legal?

Answer 1

It depends on what permission you have granted Them. Secondly, the Credit Bureaus provide access to almost anyone unless you ask them to stop.

Answer 2

Legally, no one can pull your credit report without your consent. Your consent could be anything from asking for a credit increase to terms and conditions with the line of credit.

Most of the time, your consent is within the fine small print. If you signed a credit application that states a credit company can pull your credit report for periodical credit increase, that is your consent.

I am sure that every contractual financial agreement states they can pull your credit in a default or delinquency. Once you sign your name, you agree to the terms and conditions.

Answer 3

Yes it's legal. In fact, creditors do this regularly. However, there are options here.

Did they "write off" your debt? If so, contact the credit reporting agency and ask to have these checks removed. Once a company writes off debt, it means they have deemed in noncollectable and can no longer pursue it.

If the debt shows as active, they have 7 years to try to collect/keep it on your credit report.

Answer 4

anyone who runs a credit report on you is supposed to have your signature each time. contact the credit bureaus and let them know that this is happening and you are not authorizing them to do this. the credit bureaus can cut them off and never let them run anyone's credit ever again.

Answer 5

This website will tell you EVERYTHING and then some

But to answer your question, I believe that they can unfortunately

here's the link

http://www.fair-debt-collection.com/searches/credit-reports.html#6 (look at question 6)

Answer 6

That depends on the contract you signed with them.