trumpet-205 wrote:Outside of statue of limitations just mean one cannot use legal action (lawsuit/judgement) to collect debt. CA can continue to attempt to collect debt, even outside of SOL.
They can try to collect on it, but they cannot continue to hard pull the OP's credit constantly I don't think that would be legal as they need a permissible purpose and once a debt has fallen off your reports it's not likely it would be legal to continue to hard pull that person over it. I'm not a lawyer, but I highly doubt what the bottom feeders are doing here is legal and the OP would be wise to get in touch with a NACA attorney to determine if the law has been violated, and if so to initiate legal action. Wouldn't it be ironic if he or she ends up being the one to get a judgement on the bottom feeders?