Soft Inquiries from CA's

[Bman125811]

I have a few soft inquiries from three CA's.

 

I can not think of any reason for them pulling my credit. I get no correspondence from any of them. I do have a list of phone numbers that call me (I do not answer and they don't leave a message) and two of them are on the list ( Ol' Ed and First Nat'l).

 

They are:

Law Offices of Ed Overcash

Account Discovery Sys

First NTL Coll Bureau

 

None of these show up as collections or anything on ANY of my CR's. There's only two things they can be calling about, one is for $127 for an insurance premium that I will probably never pay and the other is for, yes again, insurance for around $85. That's another story in itself for another time

 

I was just wondering if I should call them and ask WTF are you pulling my credit for? And maybe cause them to hang themselves (my state allows me to record as long as one person >>>ME<<< gives permission to record the phone call). I don't think they would actually sue for $127 or $85 so I'd send them a limited C&D letter. It's just puzzling because there are no baddy's on my CR's related to them.

 

Or should I just let sleeping dogs lie as the saying goes.

 

Any advice?

 

 

[Bman125811]

I'm gonna bump this cause it kind of coincides with

 

CA and JDB pulling credit reports:

 

http://creditboards.com/forums/index.php?showtopic=536394

[shifter]

So you know who they are

 

and you know what they're calling about

 

but you're still asking why they're softing your credit?

 

Isn't it obvious?

Edited November 14, 2014 by shifter

[Bman125811]

um, no it isn't obvious, otherwise I would not have asked.

 

I matched their phone numbers through caller ID and searches on the internet.

 

Let's try this again, the key statements were:

 

"I get no correspondence from any of them"

"(I do not answer and they don't leave a message)"

"None of these show up as collections or anything on ANY of my CR's."

[PotO]

If you owe them money they can soft you until the end of the world.

 

Only two ways to stop them:

 

1. Die; or

2. Don't owe them money.

Edited November 14, 2014 by PotO

[shifter]

"I get no correspondence from any of them"

"(I do not answer and they don't leave a message)"

"None of these show up as collections or anything on ANY of my CR's."

So what?

 

You know you owe money

 

and you know they're both calling you

 

and softing your credit.

 

What more is there to know?

 

They're obviously looking to get paid.

[Bman125811]

I do not owe anything to anybody other than two midlands (over 5 yrs old now) and a Verizon (2 years old).

 

Everything is on my CR now. Verizon is covered by Chase Receivables

 

I do not have any idea why these other people are soft pulling my CR and the question was, do I call them and see why they are pulling and possibly let them hang themselves on some violation?

Or should I just leave it alone?

 

I have not applied for any credit, have no new debt etc since around 2006. I have just recently checked my credit for first time in about 7 years. Had no need to prior to now.

 

Midland has reported as recently as 10/24 so they haven't sold their debt. The same for Chase Receivables. Or if they have they are still reporting balances.

Edited November 14, 2014 by Bman125811

[PotO]

I do not owe anything to anybody other than two midlands (over 5 yrs old now) and a Verizon (2 years old).

 

Everything is on my CR now. Verizon is covered by Chase Receivables

 

I do not have any idea why these other people are soft pulling my CR and the question was, do I call them and see why they are pulling and possibly let them hang themselves on some violation?

Or should I just leave it alone?

 

I have not applied for any credit, have no new debt etc since around 2006. I have just recently checked my credit for first time in about 7 years. Had no need to prior to now.

No matter what you do, they can still soft you. You are lucky they don't hard you because they can easily do it, too, though there are some restrictions.

 

I would leave them be. Are they within the statute of limitations?

[Bman125811]

In case you didn't see the edit I made above:

"Midland has reported as recently as 10/24 so they haven't sold their debt. The same for Chase Receivables. Or if they have they are still reporting balances."

 

Anyhow, one Midland drops in 2015 and the other I believe 2017 (DOFD 03/10 and 11/08) . Both are out of the SOL for my state which is 3 yrs. I have a letter going to them today to try to get validation and TL deleted:

http://creditboards.com/forums/index.php?showtopic=536034&do=findComment&comment=5143125

 

As to Verizon, it is within SOL (DOFD early 2013) - I'm not contacting them or doing anything with Chase Receivable which is the CA Verizon sold that debt to.

 

What I'm trying to say is I HAVE NO DEBT for them to be soft pulling. Everything is already showing on my CR's

[PotO]

In case you didn't see the edit I made above:

"Midland has reported as recently as 10/24 so they haven't sold their debt. The same for Chase Receivables. Or if they have they are still reporting balances."

 

Anyhow, one Midland drops in 2015 and the other I believe 2017 (DOFD 03/10 and 11/08) . Both are out of the SOL for my state which is 3 yrs. I have a letter going to them today to try to get validation and TL deleted:

http://creditboards.com/forums/index.php?showtopic=536034&do=findComment&comment=5143125

 

As to Verizon, it is within SOL (DOFD early 2013) - I'm not contacting them or doing anything with Chase Receivable which is the CA Verizon sold that debt to.

 

What I'm trying to say is I HAVE NO DEBT for them to be soft pulling. Everything is already showing on my CR's

You don't consider the insurance premiums debt?

 

It's obvious that First National and the lawyer are after cash. Whether you should call them or not I do not know.

 

I can only tell you that if they think you owe them money they can soft you all they want until you don't owe them.

Edited November 14, 2014 by PotO

[Bman125811]

Forgot to mention the insurance:

 

It is still being handled by AllState. They haven't sold it yet. The other $85 should have been resolved by now also.

 

If there is any debt out there it is most certainly out of the SOL because like I said, my CR contains everything already.

I used to keep an eye on my CR regularly until the end of 2006. Then, for health and a MVA reasons I have had no need to monitor it anymore until recently.

Have not incurred any new debt since 2006 and that was paid off and all shows as paid as agreed, etc etc.

I only had a Home Depot and at the time what was Washington Mutual credit cards. This is what both Midland's are.

 

So I know what everything is on my CR's.

 

It is just bugging the h3ll out of me why they are nosing around my CR. That's why I was asking for opinions on whether to call them or not.

If they have anything, I can't remember and like I said, the SOL surely has run.

 

Thanks for all of your opinions here.

[Sandscrit]

If they are only soft pulling your report, forget about it and move on.

[PotO]

Forgot to mention the insurance:

 

It is still being handled by AllState. They haven't sold it yet. The other $85 should have been resolved by now also.

 

If there is any debt out there it is most certainly out of the SOL because like I said, my CR contains everything already.

I used to keep an eye on my CR regularly until the end of 2006. Then, for health and a MVA reasons I have had no need to monitor it anymore until recently.

Have not incurred any new debt since 2006 and that was paid off and all shows as paid as agreed, etc etc.

I only had a Home Depot and at the time what was Washington Mutual credit cards. This is what both Midland's are.

 

So I know what everything is on my CR's.

 

It is just bugging the h3ll out of me why they are nosing around my CR. That's why I was asking for opinions on whether to call them or not.

If they have anything, I can't remember and like I said, the SOL surely has run.

 

Thanks for all of your opinions here.

I'd also be curious. Personally, I'd call them. I wouldn't mention the soft pull. I'd just get the data on what their reason for calling is and as much data as possible about the supposed debt. Then I'd tell them I need time to digest everything. But that's just me. I can't tell you whether or not it's a good idea to do that or not.

 

But I can say that they can soft you forever until:

 

1. Death; or

2. The debt is eliminated.

 

They can also do hard pulls, but there may be restrictions on that after the credit reporting time period has expired.

[Bman125811]

So I am at one "forget about it" and one "call them" ~ Any others???

 

I need a coin to flip I reckon...

 

In the mean time I get my recorder set up just in case. I've been keeping it by the phone but they haven't called in a couple of weeks or so.

 

Thanks everybody.

[Taper123]

Just my opinion, but Collection agencies who have bought a debt will pull your file... if they see a trend of you improving your financial situation to a certain level, they will begin collections. They are testing the waters to see if it's worth their time, and if you potentially have the means to pay them..

[Bman125811]

They are wasting their time because if they do have any of my old debt, which I can not think of any at this time, they are SOL cause any of my debt is SOL.

 

I just recently got a Cap1 CC in August or Sept.

 

Maybe I should apply for a Fingerhut account, huh?

[shifter]

[ManofB]

Leave it be. Deal with it if/when you get a dunning letter.

[PotO]

They are wasting their time because if they do have any of my old debt, which I can not think of any at this time, they are SOL cause any of my debt is SOL.

 

I just recently got a Cap1 CC in August or Sept.

 

Maybe I should apply for a Fingerhut account, huh?

Maybe they are. Maybe they aren't.

 

If their DOFD is within the past 7.5 years and they move up to hard inquiries, even Fingerhut won't touch you.

[Guest]

Just my opinion, but Collection agencies who have bought a debt will pull your file... if they see a trend of you improving your financial situation to a certain level, they will begin collections. They are testing the waters to see if it's worth their time, and if you potentially have the means to pay them..

This is probably the best reply in this.. thread.

[cashnocredit]

 

Just my opinion, but Collection agencies who have bought a debt will pull your file... if they see a trend of you improving your financial situation to a certain level, they will begin collections. They are testing the waters to see if it's worth their time, and if you potentially have the means to pay them..

This is probably the best reply in this.. thread.

 

I agree.

[ICANHASMUNY?]

In case you didn't see the edit I made above:

"Midland has reported as recently as 10/24 so they haven't sold their debt. The same for Chase Receivables. Or if they have they are still reporting balances."

 

Anyhow, one Midland drops in 2015 and the other I believe 2017 (DOFD 03/10 and 11/08) . Both are out of the SOL for my state which is 3 yrs. I have a letter going to them today to try to get validation and TL deleted:

http://creditboards.com/forums/index.php?showtopic=536034&do=findComment&comment=5143125

 

As to Verizon, it is within SOL (DOFD early 2013) - I'm not contacting them or doing anything with Chase Receivable which is the CA Verizon sold that debt to.

 

What I'm trying to say is I HAVE NO DEBT for them to be soft pulling. Everything is already showing on my CR's

 

so they hired another CA to try to collect - JDB's farm it out all the time.

 

if you don't answer the phone, they don't have to send a letter until the " contact you "

 

so answer the phone - demand that they send you a written notice about any debts, and without it there will be no further conversations.

[hegemony]

first, even soft inquiries need PP.

 

second, be happy the CA, if it has PP, is not pulling hards as if there is PP for soft there is PP for hard.

 

third, deal with the disease not the symptom

[Refugee47]

Their probably account shopping . Looking around for debts to buy .

 

 

Sent from my iPhone using Tapatalk

[ronsetoe]

Do you owe the insurance premium? If so pay the past due premium and be done. $200 is not worth a messed up report. JMHO

Edited November 26, 2014 by ronsetoe