"My question is, can collection agencies pull my credit report without my consent? If I owed a debt and the CA buys the debt does that give them the right to pull my credit report?

I have about 5 inquiries from CA's and getting rid of these hard inquiries might boost my score. I remember reading something about PIAC or something like that. Can I dispute these or do the CA's have the right to pull my reports?"

Ottawa just PM'd you and I know this was the most commonly broke rule at all agencies.

They can pull one every six months, anything more and you should file a complaint with Trans Union or Equifax.

If they bought the debt then they have the right to pull your info, but they aren't allowed to pull one more than once every six months for the very reason that you are posting here. It will really screw someones credit up and I have known collectors who do this just because someone won't pay them.

Joe,

Did you even bother to goto the link I posted and read up on Personal Information Protection and Electronic Documents Act? Based on your comment, my guess is you didn't. Here it is again for you.

http://www.priv.gc.ca/information/02_05_d_08_e.cfm

Ottawa Chap,

What I was referring too; is when collection agencies put their own information in your credit file and also doing credit checks without your consent. I thought your pipeda letter when sent; things like this could get removed.

Cheers

Nameuser,

Any input as to whether this is this still valid?

Nov 3, 2008

"Collection agencies are limited to doing a credit inquiry once every 6 months, the rule is never followed but they are supposed to be fined or removed access when in violation of this. "

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Patrob,

Unfortunately, I’m not sure how Joe’s got it into his head that I possess knowledge of some magical formula for removing entries or inquiries from one’s credit report? Aside from having misreported data corrected, removing factual entries may be next to impossible given that those entries are a reflection of one’s payment history.

That said, depending on your situation you may find it worthwhile to review this thread; paying special attention to Raymond’s post on Sept 20th, 2008. (“Anyone, or their agent, with a "valid business reason" (or one that is claimed to be) can acess anyone's credit report under the rules of the various provincial consumer reporting acts. See the [non]privacy quiz thread.")

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The Consumer reporting act for Ontario can be found here:

http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_90c33_e.htm#BK15

Wish I could offer up more for you, but that’s all I have for the moment…

I would ask Ottawa chap, because he seems to have knowledge in this field.

Montee or Ottawa chap, do you have an answer for this?

Thanks for the advice average joe...I know for a fact that 2 were bought because the original creditor sold the debt. The OC admitted they sold the debt. It's possible the other 3 are on consignement...I'm not sure.

Patrob69,

Are you sure they bought the debt; because most people think once a debt goes to collections, the debt was bought? The majority of debts are on consignment.

Cheers

Patrob69,

I would ask a member by the name of Ottawa chap. I believe he has found a way to get collection agencies off his credit reports.

Cheers