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    dunkin's Avatar
    dunkin Posts: 6, Reputation: 1
    New Member
    		  
    #1

    Jan 26, 2009, 12:20 PM
    Collection Company checking my credit Report
    Can a collection agency legally inquire your credit report without your approval. I just checked my credit report and a company called GENESSEE VALLEY ASSOCIates inquired on my credit report in June of 08 without my consent.
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #2

    Jan 26, 2009, 12:24 PM

    Are you sure they weren't acting on another companies behalf? It seems odd for them to pull up random people's credit history without reason.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #3

    Jan 26, 2009, 12:25 PM

    Yes, Anyone with an account with the credit bureau can pull your report. They only have to have some business with you. If this collection agency is trying to collect on a debt, they have the right to check your record.
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #4

    Jan 26, 2009, 12:26 PM

    I just found this, it may be worth digging a little deeper to find out what's going on:

    Genesee Valley Associates, Inc - Windows Live
    dunkin's Avatar
    dunkin Posts: 6, Reputation: 1
    New Member
    		  
    #5

    Jan 26, 2009, 12:27 PM
    Regardless, is this legal? Inquire on credit is a slash against my credit rating.
    dunkin's Avatar
    dunkin Posts: 6, Reputation: 1
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    #6

    Jan 26, 2009, 12:29 PM
    Thanks for your help
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #7

    Jan 26, 2009, 12:33 PM

    Again, there is nothing illegal about an inquiry being made to collect on a debt.

    If you believe they have the wrong person, then file a protest with the credit bureau.
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