How to stop collection agencies from doing credit report inquiries

[Rintaro]

I pulled my Credit report, and it shows the same collection agency doing inquiries on my credit report, this ( By what iu understand is holding my credit score down.

Also when i pulled my credit report the Creditor that had a judgement on me did not show up on my credit report, no judgements show up? I wonder why.

I believe if I can get these Credit companies/collection agencies to stop doing credit inquiries on my CR My score can go up, some of those debts are past the statue.

Does a Cease & Desist letter also carry power to prevent them from inquiirng my credit report?

Some one help

[HHM]

There are two types of credit report pulls, hard and soft. If I understand it correctly, hard pulls are credit report pulls that you specifically authorize for the purpose of obtaining credit (i.e. credit card applications, mortgage apps, etc). All other types of pulls are "soft" pulls. Hard pulls "may" effect your credit score under certain circumstances, but soft pulls do not. In fact, the credit report that YOU get is the only one that contains the soft pulls...regular creditors, when they pull your credit report, do not see those soft pulls.

[keepmine]

I pulled my Credit report, and it shows the same collection agency doing inquiries on my credit report, this ( By what iu understand is holding my credit score down.

Also when i pulled my credit report the Creditor that had a judgement on me did not show up on my credit report, no judgements show up? I wonder why.

I believe if I can get these Credit companies/collection agencies to stop doing credit inquiries on my CR My score can go up, some of those debts are past the statue.

Does a Cease & Desist letter also carry power to prevent them from inquiirng my credit report?

Some one help

Since credit repair is a bigger issue to you than bk, you will be better served asking things like this on boards more suited to those topics.
Try, www.creditboards.com and www.creditinfocenter.com

[magyar123]

As Keepmine says there are 2 types of pulls - actually 3. My TU has 3 - Regular inquiries which do affect your acore - you applying for new credit. Account review inquiries - which do not affect your acore - current creditors reviewing your history - to see if they should increase your limit, or burn you by upping your interest rate. And the third one called "promotional inquiries"- which do not affect your score either. Those are performed by outfits that want your business - clog up your mailbox with promotional crap.

[Keebler]

As Keepmine says there are 2 types of pulls - actually 3. My TU has 3 - Regular inquiries which do affect your acore - you applying for new credit. Account review inquiries - which do not affect your acore - current creditors reviewing your history - to see if they should increase your limit, or burn you by upping your interest rate. And the third one called "promotional inquiries"- which do not affect your score either. Those are performed by outfits that want your business - clog up your mailbox with promotional crap.

My Credit Report isn't labeled real clearly with hard and soft pulls but I understand the concept. I can see that some Collection Agencies have pulled my report and I can see the pull listed in the same section as pulls I initiated for the purpose of obtaining credit. I can also see the section for soft pulls so I think I am correct in beleiving that some have improperly done hard pulls.

At som epoint I need to get these corrected too and I've read that the organization pulling the report needs to make the correction and I'll bet there's not a single Collection Agency that gives a damn about fixing the problem when I complain. Also, I've read that the Credit Bureaus won't remove the entry if the Collection Agency confirms it's correct.

[LadynRed]

I can also see the section for soft pulls so I think I am correct in beleiving that some have improperly done hard pulls.

Given that this is a collection, they have permissible purpose to pull your reports, hard AND soft, and it's not at all unusual for collection inquiries to be hard pulls, they are meant to drag down your credit as punishment for the collection.

You have no grounds to stop the inquiries unless they are pulling constantly and more than once a month in a attempt to poison your credit file.. file poisoning is illegal.

[Keebler]

I recently read about freezing your credit report and I'm tempted to go ahead and do it. It keeps certain kinds of businesses from accessing your report without lifting the freeze first.

The biggest down-side is the inconvenience of having to un-freeze the account to apply for credit. With Bankruptcy in my near future, I don't suspect there's anything I'll be applying for in the next couple of years so the inconvenience will be minimal.

The up-side may be avoiding hard pulls from collection agencies.

Has anyone considered doing this?