Can a collection agency legally inquire on your credit report more than once in the same month?

Answer

They can do this as many times as they want. This is how they ruin your credit. Every time someone requests your credit report, you lose 2 points. 10 times= -20 points and as you can see this can add up, because they have people that this all they do, is credit report request.

• • • actually, There are several types of inquires that can be made on your credit bureaus. If a collector uses an inquiry to find you or see what your financial status currently is AND does it under the guise of checking for issuance of new credit, the collector can be severely punished both in civil and criminal court. The type of inquiry you were asking about falls under a type that is not reported to anyone but you. You will see these when you look at your own credit report but no one else will see it and these inquiries do not affect your credit.

First answer by anonymous. Last edit by Grebmohr. Contributor trust: 84 [recommend contributor]. Question popularity: 165 [recommend question]