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When A Junk Debt Buyer Checks Your Credit Reports

What this usually means, in my opinion, is that they are checking out your assets to see if you are worth suing or not. Your employer is most likely listed within your credit report which lets them know where you are working. That’s scary.

They are checking to see if you own a home, car, and anything else of value. They want to see if you have opened up new credit cards and how you’ve been paying them (timely) etc.,

Most of the time, it would be a lawyer who works for the junk debt buyer who snoops through your credit report.

The bad news is that if you do own a home or car, the chances that you’ll be sued in the next 90 days are pretty much a guarantee. They’ll go after a default judgment and then put a lien on your property.

Basically, when they are snooping through your credit, they are checking out your assets to see if you are worth their time and energy to serve a lawsuit to.

If you have horrible credit, don’t own a home or auto, they’ll most likely move on and/or if you have a good job, probably still sue you and go after wage garnishment if they win.

I had an attorney check my credit in August and I was handed a summons in December.