Legal Question in Credit and Debt Law in Texas

are collective agencies allow to obtain a persons credit report
Hi, I owed a hospital some money since 2000, and a collection agency is calling me all the time. we agreed in a amount, nut then they called me to tell me that they have pulled my credit report. They were reading the report to me. they told me that I have credit cards with 0 balances owed, that they will not give me any discount because I could pay the debt with those credit card. I told him that I was not using those cards because I have no money to pay them back. However, what I want to ask you is if they have the right to pull up my credit report.
please let me know
thank you

Asked on 4/16/04, 7:18 pm

Peter Bradie Bradie, Bradie & Bradie

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Re: are collective agencies allow to obtain a persons credit report

They don't have that right. Report them to the Federal Trade Commission. You may also have a private cause of action against them for that violation.

Answered on 4/17/04, 10:46 am

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