How do you stop companies from running your credit report and an inquiry?

I have some past due bills that date back 4yrs ago. ( I know I should have been more responsible) But I’m older now and matured and I am trying to repair my credit but these credit inquiries are not helping at all. It seems like everytime this company runs my credit my score decreases by 2 points. How do I stop that? Right now I can’t pay them because I’m still not able to financially. I don’t make enough. But I want to though I’m still recovering from the past hardship I experienced. So if anyone can help please let me know. Much Thanks!!
The account is closed but with normal procedures it went to a collection agency and from there I’m not sure where it’s at now or the status. It’s been 4yrs since I paid on it. It may have been charged off by now. I noticed my score decreased by 2 points when this company ran my credit.

8 thoughts on “How do you stop companies from running your credit report and an inquiry?

  1. Even if you send them 5.00 a month- it will show that you are paying your debt on your credit report.

  2. The credit report inquiry they are running, should be a soft check which does not affect your credit score. If they are running a hard check without your knowledge and consent they are in violation of the law. It is important for you to determine which type of check they are running. A 2 point increase/decrease can occur from month to month for nearly any reason (i.e., higher balance on credit cards, etc.)

  3. you need to call the credit bureaus and tell them who is running a credit check on you without your signature. We use all 3 credit bureaus where I work and we get suprise audits ocassionally and we better have a signature on every application that they ask to see or they will cancel our contract with them and that would put us out of business.

Leave a Reply

Your email address will not be published. Required fields are marked *