Can a CC collection service legally pull your credit report if the debt is out of the SOL?

Question

This is for a CC debt that is over 10 years old and now the collection agency is making inquires on my credit report. Is this legal?

Answer 1

Unfortunately, they inherited the right to pull your credit report when they bought the account from the original creditor. They can't, however, do a lot of deliberate inquiries within a short time span to maliciously damage your credit.

This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying.

Send the collection agency a letter via Certified Mail + Return Receipt stating:

Per the Fair Debt Collection Practices Act, I am requesting:

- written validation of this alleged debt and that said alleged debt is within the statute of limitations - Cease all verbal communications with me about this alleged debt.

Answer 2

My suggestion is trying to get as much resource as you can before making final decision,here is a good one.http://debt-relief.expertips4u.info/debt...