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After paying off the Collection Agency the said amount that I owed them, this collection agency turned around and requsted Transunion a copy of my credit report and was reported as Hard Inquiry. My fico score gone down to 15pts. I did not authorize or give them a consent. Is this legal? What should I do? Thanks
if they actually did it after you paid and closed the account then it would not be a permissible purpose
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Hi beeleipecorella,
I completely agree with cinnamngrl. Collection agency can do a hard inquiry only if you owe them the money. The collection agency is not supposed to pull your credit report once you have paid off the dues. You should dispute this inquiry with the credit bureaus.
Thanks,
Aaron
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They will likely show as paid decilquennies unless you take action. Credit repair should get these and all other negative marks off your bureau. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.