Can a debt buyer pull a credit report?

Answer The Ninth Circuit Court of Appeals has ruled that creditors may pull debtors' credit reports only if a debt involves a credit transaction in which the consumer directly sought credit and willingly ... Read More »

Top Q&A For: Can a debt buyer pull a credit report

If I'm Being Sued for Credit Card Debt, Can My Credit Report Be Used Against Me?

A credit report compiles your payment history into four sections: negative accounts, positive accounts, public records and collections. The information contained in a credit report is vital because... Read More »

Can I pull a credit report for a pre-qualification loan?

On One Hand: Obtaining a Credit ReportGetting a copy of your credit report is a good idea if you plan on seeking pre-qualification for a loan, especially a mortgage or an auto loan. Reviewing your ... Read More »

Does bankruptcy court pull up your credit report?

Bankruptcy court does pull your credit report. You are required to provide the court with a copy of your most recent tax return and answer questions regarding your debts at the creditors' meeting.... Read More »

How long can a debt be on your credit report?

According to the Fair Credit Reporting Act, most debts can appear on your credit report for no longer than seven and a half years. Exceptions apply, however, for debts you owe to the government, su... Read More »