What can be or Should be Done about Unauthorized hard inqueries on Credit Report ?
Yesterday I went to a new car dealer. I brought my credit report with me so i could keep the inquires down. I never filled out a credit app. nor did I ecer give them my premission. infact told them atleast 5 times not to run it .I checked my report this morning and noticed an alert from their Unauthorized hard inquirie
tHE aNSWER : When you specifically go to a creditor and specifically tell them they do NOT have permission to access your credit report...and they do it anyway......
Well, if it happens to me I will be $1000 richer.
You did everything right...you did your homework and you know that when you shop for a loan every single lender is going to want to pull your score. And every inquiry you get lowers your score!
I'm curious how they got your information to be able to pull your report though.....you didn't fill out an application?
Go to the dealer and show them a copy of your credit report, with their UNAUTHORIZED inquiry. Tell them to remove it within 30 days, or get a lawsuit.
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