Can I stop collection agencies from getting my credit report?

Question

I had credit card more than 10 years ago It charged off by creditor, Show on my credit report for seven years, now it is out of my file, but still I get credit inquiry by collection agency, Show Inquiry by Collection Agency, I disputed these inquiry. But they put more inquiry in my credit file with their name as collection agency.

How can I stop them from putting inquiry in my credit report every year? And can it be remove?

Answer 1

Write them a letter asking them why they are making inquiries on your credit report and tell them you do not owe them any money.

Here's what happens. The credit card company charges the debt off. After 7 years, it drops off your credit report and in fact, the statute of limitations has run on it so it is noncollectable. That means, they cannot file suit against you and they cannot get a judgment against you.

However, even though the debt is noncollectable, you actually still owe it. So, the credit card companies sell all that old debt to collection agencies who start sending you letters, even though they know you don't have to pay it and they can't get a judgment.

If, at any time when they call you, you agree to pay any of it, or send them one dime, the statute of limitations starts all over again from that date.

So, collection agencies know that half the people in the world are clueless about their rights so they start harassing you in the hopes that you'll agree to pay some of it. If you pay any of it, then they've made money on off it as they only paid your original creditor pennies for that charged off debt.

You can't stop them from making inquiries but if you act like you know what they're doing, they'll give up. So just tell them that you don't owe it. The statute of limitations has run on it and hopefully, they'll go away.

Answer 2

its a common trick / game they play... here are some links with info on that.

it even has sample letters to send them as well.



1) run a free credit report from each agency (your allowed one free one per year, per agency). you need to know, so you need to get them.
2) if ID Theft has occured, you need to make a police report first. the rest of what you need to do, is listed in the links below (with GREAT info too).
3) some states allow you to 'lock' or 'freeze' credit reports; to protect against theft. if your state allows it, lock 'em down. that way, no one can open an account on them.
4) once you discover their credit reports have activity on them, then contact each credit reporting agency (the 3 major ones) and report the ID Theft... and request they lock the reports (usually they automatically do it, but ask for it anyway).

ID THEFT HELP/ INFO
http://www.idtheftcenter.org/index.shtml
http://www.ftc.gov/bcp/edu/microsites/idtheft/
http://www.ftc.gov/bcp/conline/edcams/credit/index.html
http://www.fraudguides.com/consumer-identity-theft-children.asp
http://www.ripoffreport.com/
http://www.fightidentitytheft.com/
http://www.ncpc.org/media/current.php
https://rn.ftc.gov/pls/dod/widtpubl$.startup?Z_ORG_CODE=PU03
http://www.myidfix.com/

CREDIT REPORT INFO / REPAIRS
http://www.kiplinger.com/columns/starting/archive/2007/st0221.htm
http://www.bankrate.com/brm/news/cc/20040116b1.asp
https://www.annualcreditreport.com/cra/helpfaq
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.asp
http://www.bankrate.com/brm/news/bankruptcy/20070313_credit_report_stains_a1.asp
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.txt
http://bankrate.com/

TO ORDER A FREE CREDIT REPORT
(all three are free once a year)
NEW LAW: FREEZE YOUR
CREDIT REPORT (NJ)!!
(state.nj.us/dobi/creditfreeze.htm)

Equifax
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com
1-800-685-1111
_______________
Experian
P.O. Box 19719
Irvine, CA 92623
www.experian.com
1-888-397-3742
_______________
TransUnion
P.O. Box 2000
Chester, PA 19022
www.transunion.com
1-800-916-8800

Answer 3

contact this office for help for all credit card bank issues.

http://www.occ.treas.gov/customer.htm

Answer 4

Sorry no you cant, it's still a debt which was not paid off.