IMPORTANT! Does asking a creditor to remove a negative item on your credit report

[tinroofrusted]

Give them a right to pull a hard copy of your credit?

If not, what can be done about it?

[joe715]

Hi tinroof. I dont know the answer to your question but am interested in finding out. my question is, what do you mean "hard copy"? Do you mean like an "inquiry" that shows on your report for 2 years?

I am curious if you can negotiate with collectors to remove negative items from your report. I'm trying to figure out how to clean mine up.

[HRx]

You'll want to have all request for corrections to your credit report done in writing via certfied mail. Correcting derogatory/bad problems on your credit report isnt going to hurt your credit standing/score.

[tinroofrusted]

You'll want to have all request for corrections to your credit report done in writing via certfied mail. Correcting derogatory/bad problems on your credit report isnt going to hurt your credit standing/score.

THat's not my problem Todd.

What is my problem is that when they were contacted by the bureau to correct the information, they took that as permission to pull a hard inquiry on my credit report. I never gave them permission to do that, and I wasn't applying for a loan, so where do they get off thinking that I gave them permission to pull a hard inquiry on my credit? They claim that under the FCRA that that gave them permission to make sure that they were reporting accurately. I don't believe that is the case. I have read the law over and over, and it says nothing about permissable reason to pull your credit if you are disputing.

[tinroofrusted]

Hi tinroof. I dont know the answer to your question but am interested in finding out. my question is, what do you mean "hard copy"? Do you mean like an "inquiry" that shows on your report for 2 years?

I am curious if you can negotiate with collectors to remove negative items from your report. I'm trying to figure out how to clean mine up.

Yes, that is exactly what I am saying. I have now written a three page letter requesting the removal, informing them that they broke the law, and have notified the FTC, the AG from the State of Michigan, the BBB, and several other organizations. I am also requesting a settlement for their negligence.

I never at any time gave them permission to pull my credit. I asked that the negative items be removed through the bureaus, and that is about it.

[tinroofrusted]

[HRx]

Interesting! Keep us updated on this matter!

[tinroofrusted]

I will.

[HHM]

Let me take the other side of this one for a minute,

I suspect your on the losing side of this argument, you are disputing an entry they made on your credit report, so they can probably rely on
604(a)(3)(A) or 604(a)(3)(F)(I) as justification.

But keep us informed as to what happens.

[tinroofrusted]

Nope. I am disputing them pulling a hard inquiry into my credit without reason or permission. THAT'S my biggest problem right now.

[tinroofrusted]

PS, I no longer have accounts with them, loans, or anything else that would give them reason to pull my credit. since my case is discharged and closed, they legally have no right or jurisdiction to pull my credit without my permission, and I never and would never give it to them.

[HRx]

PS, I no longer have accounts with them, loans, or anything else that would give them reason to pull my credit. since my case is discharged and closed, they legally have no right or jurisdiction to pull my credit without my permission, and I never and would never give it to them.

Hence you're going to make an example out of them............

[tinroofrusted]

Hence you're going to make an example out of them............

YES SIR!

[HHM]

Your question was

"Does asking a creditor to remove a negative item on your credit report give them the right to pull a hard copy of your credit report?"

So the entry you are disputing is the "hard pull" of the credit and then they did "another hard pull" after you made the dispute?

Or is it that you noticed they had pulled your credit and then you simply disputed that entry?

I suspect they can ultimately rely on the default reason of 604(c)(1)(B)(i) (firm offer of credit)

[tinroofrusted]

Your question was

"Does asking a creditor to remove a negative item on your credit report give them the right to pull a hard copy of your credit report?"

So the entry you are disputing is the "hard pull" of the credit and then they did "another hard pull" after you made the dispute?

Or is it that you noticed they had pulled your credit and then you simply disputed that entry?

I suspect they can ultimately rely on the default reason of 604(c)(1)(B)(i) (firm offer of credit)

Ok, let me clear this up once and for all. The credit union was notified through Transunion (and the other bureaus) that they had false information on my credit report. (I disputed the fact that they had me listed as "charge off" with balances due instead of in BK)

They then took it upon themselves to pull a hard inquiry (THEY CLAIM: "to check for ourselves what was being reported) with no permission from me, by me, or through me.

I am now fighting the fact that they pulled a hard inquiry into my credit, without a permissable purpose.

All of my accounts were closed with them when I did this, I was discharged, and had not applied or any credit or anything else through them. I simply wanted the information on my credit bureaus to be reported correctly, and that is IT.

I never gave them permission at any time to pull my credit bureau, and THAT is what I am disputing