@boog13 wrote:
Hi All,
I noticed a hard inquiry on my credit report from NCO Credit Services after my Mortgage app. NCO is a collection agency. I know they can pull my credit however I didn't think it would be a hard inquiry. Can they do that? I have no current collections with NCO.
With no current collections they have no business pulling it either hard or soft. If you have zombie collections off your CR then they can pull it but typically it would be soft not hard. Mortgage apps always get collectors excited especially if they can still report as they know you have to settle to close.
