A couple of creditors are telling me that they have my credit report right in front of them and are reading it off to me. Can they pull my report like that without permission?
On a funny side note, I had one creditor tell me, "I see you are paying other creditors but not this account!" Total Lie!!! I have not paid any creditors in the last 6 months so I said which ones are those, you tell me. He read through them and finally came to my credit union LOC payment, which they automatically deduct $30 every month out of my checking account. He then said, "you cannot make preferential payments to one creditor". I then quoted that it has to be over $500 in 90 days, and $150 hardly comes close. He sat in silence. I liked it better when the original creditors called me. At least they accepted "I have no money to pay you" and were quite nice. These 3rd party collectors are killing me, they are so rude and they try to be sneaky.
Anyway, back to my post, is it illegal to pull my credit report w/out permission???
On a funny side note, I had one creditor tell me, "I see you are paying other creditors but not this account!" Total Lie!!! I have not paid any creditors in the last 6 months so I said which ones are those, you tell me. He read through them and finally came to my credit union LOC payment, which they automatically deduct $30 every month out of my checking account. He then said, "you cannot make preferential payments to one creditor". I then quoted that it has to be over $500 in 90 days, and $150 hardly comes close. He sat in silence. I liked it better when the original creditors called me. At least they accepted "I have no money to pay you" and were quite nice. These 3rd party collectors are killing me, they are so rude and they try to be sneaky.
Anyway, back to my post, is it illegal to pull my credit report w/out permission???
Comment