Collections Law/Hard Inquires

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Expert: - 10/8/2011


Question
Mr. Miller
I recently received a copy of my credit as i am preparing to buy a home on the report are 3 hard inquires by 3 local law firms.All in relation to a single collection agency and all preformed within a 7 day period. no legal action was taken against me. is there any thing i can do to to remove these?  

Thank you in advance for any help you can render.

Answer
You can complain to the FCC, citing the FCRA in your complaint.  What has happened is the original creditor is selling your account and the local law firms are checking your credit to see if you are suit worthy.  If you can hurry your loan application along it would be to your benefit since it appears that someone may be about to sue you.  Good luck with this.

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Volunteer

Ray A Miller

Expertise

I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.

Experience

I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

Organizations
ACA International

Education/Credentials
Some college ACA Certified Collection Specialist

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