Can a collection agency pull a consumer's credit report after the debt is past statute of limitations?

It is listed as a hard credit inquiry on debt that is past statute of limitations for both reporting and legal collection.

Can a collection agency pull a consumer's credit report after the debt is past statute of limitations?
first off, there is no statute of limitations on any kind of debt. if you dont pay it, it will either go to the law office for a suit against you or it will be considered a charge off and will show up as such on your credit report.


That being said, if you dont pay the bill and it goes into collections, they can request a copy of your credit report at any time during the collections process, but usually dont unless the bill is that of a large amount (1000 or more).





as for as your credit report, my best advise is as follows. pay the bill! if you dont and it shows up as a charge off, thats just as bad as a bankruptcy. a lot of collection agencies offer settlements where you only pay a certain amount and the rest is waived. that will show up as a settlement in full on your credit report which is not as good as a pay in full, but it beats paying the full balance or not paying it at all.
Reply:There may be times where you may get a mailing claiming that you owe such and such amount on a debt that has passed the statute of liimitations for your state.





This is a violation of the Fair Debt Collections Practices Act. Some creditors even lie and say that the statute of limitations starts from the day that they purchased the debt account. These companies are so bold that some of them will threaten to sue you and in fact proceed with the court case – don’t give in. Others will harass you day and night, use profanity or promise to erase negative marks off your credit report, if you send in a minimal payment.





Here is what you can do in that case.


http://ezinearticles.com/?Credit-Card-De...
Reply:Pay attention closely. Credit can be pulled from any and all agencies regardless of length of time. Most if not all companies will sell their old debt to another collection agency, thus keeping the old debt still active, regardless of time.
Reply:Hey y ask such silly questions???????????????????NO THEY CAN NOT DO THAT,