Monty,
Re: How many times did you give the collection agency written permission to do a hard inquiry? You need to give the collection agency consent to collect or disclose your information in some form or another.... If you don't give them permission, they can't do a hard inquiry.
If this true; I have twenty seven hard inquiries on my Trans Union credit file without written permission. Do I write to the privacy officers of these collection agencies and request to have my hard inquiries removed?