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If a company pulls your credit without your permission what do you do?

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Answered 2008-05-25 00:54:55

you have a legal right to keep your personal information personal if you didn't sign a paper giving them permission to run your credit take them to court and get yourself some justice find out why and what their motive was

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There are two types of inquiries. Soft pulls and hard pulls. Soft pulls are when you look at your own credit. They don't get counted as far as your credit score. However hard pulls are when you apply for credit. This can effect your score 2 - 5 point for each inquiry.

If the credit pulls were not authorized, write a letter to each of the bureaus that are reporting the inquiries, and let them know that they were not authorized. Legally, they should remove this information from your credit report if it is inaccurately reporting. If you did authorize the credit pulls, then this information will likely stay on your credit report for 1-3 years.

Your credit score varies depending on the date and time, not by who pulls it. Different bureaus have different scores and they can change.

If you're applying for credit, then they will all do a hard hit

Yes the internet is one of the best ways to get everyday questions answered. When applying for a credit card your credit can suffer what is called "hard or soft pulls". This just means that when they are running your credit and trying to see if you qualify. Bigger credit cards often require the harder pulls. A website you might find helpful is It has most credit cards on there to chose from. It will ask you a few questions before suggesting a card that might be best for you. This will limit the pulls shown on your credit report.

Absolutely. You can request your credit report anytime you want. If the company that pulled your credit report denied you the credit you sought, by law, you can get a copy of your credit report free if you request it within 30 days of the denial. You are also permitted to get all three of your credit reports once each year free of charge. If you have not requested your free credit reports in the last year, you may call 877-322-8228 and request them. They will arrive in 7 - 10 business days after your order. Understand that these are your credit reports only. They will not include your credit scores. They will only include the subscribers that report to the credit reporting agencies and what they reported about your financial behavior with them.

When you suppress your credit report, that means that anybody who pulls your credit report will get no information back. It will not even give the header that comes on the credit reports. So if you are looking to get some type of credit do not suppress your credit report.

What RPI-LD on a credit report means is that a hard pull was done. Hard pulls are usually done when doing credit checks from landlords and such.

Every time you apply for credit and a creditor pulls a report it hurts your FICO score. The rule is to have no more then 6 inquiries on your credit report with in six months. They say a hard inquiry pulls your score down 3-5 points. There are 2 different inquiries hard and soft. A soft inquiry is when you pull your report or a creditor you already have pulls it to make sure you still have a good profile. The hard inquiries are the ones that hurt your score. It means that you are applying for credit.

If you are pulling it on yourself, it doesn't affect it in any way. If you apply for multiple loans and each lender pulls a credit report, it will have a negative effect on your score because it may look like you are desperate for credit.

Yes an unpaid hospital bill will show on your credit report, however, if you are disputing the bill you can write to the credit reporting agencies(all 3) and have the dispute added to your file. This way if anyone pulls your credit report this cannot be taken into acccount for future credit.

yes there is a chance that you can become pregnant from you partner pulling out without a condom

The cow pulls the plow. Without the cow, there would be no agriculture. You do not eat your seed corn. You do not kill and eat the animal that pulls your plow.

== == Most insurance companies do run a credit check, however, it is like a "soft hit" similar to what credit cards companies do when they send you a pre-approved letter in the mail. It has no effect on your credit score. Also companies don't actually look at your report, when they run a quote it pulls forward information from the report and allows the company to give you an "insurance score" based on driving record and the things found in the report, these vary by company. The insurance score then sets your base price and the premiums then go and down depending on what coverage you select.

Get the widest, stickiest tires you can and it will pull harder without squealing.

Unless the authorization you signed specified only ONE pull of your credit report, then you have little recourse. It is typical for lenders of all types to perform multiple pulls of a consumers' credit report when trying to secure financing. For this reason, the scoring models count multiple pulls within a short period of time as only one pull.

Absolutely. You authorized additional pulls of your credit when you established the account. This is not only legal, but customary. Credit card issuers periodically check your credit to see how you are managing your financial obligations. If they notice late payments on other credit accounts, they can use clauses in your contract to raise your interest rate, even if you have never paid THEM late. They also perform an inquiry into your credit report in conjunction with an increase of your credit limit.

almost always your doctor. they use a 3rd party company that contacts the doctor and pulls your medical files and gives them to the company to review. they also can run an electronic MIB report that pulls basic info such as doctor visit frequency, surgeries, major conditions, etc.

Yes. The Sun even pulls on the Moon harder than Earth pulls on Moon.Yes. The Sun even pulls on the Moon harder than Earth pulls on Moon.Yes. The Sun even pulls on the Moon harder than Earth pulls on Moon.Yes. The Sun even pulls on the Moon harder than Earth pulls on Moon.

The Earth pulls on the Moon, and the Moon pulls on the Earth. The Sun pulls on the Moon, and the Moon pulls on the Sun. Mars pulls on the Moon (ever so slightly) and the Moon pulls on Mars. Your body pulls on the Moon (hardly measurable, but it does) and the Moon pulls on your body. The Moon and Sun and Earth's gravity pull (and push) Earth's oceans, and the ocean "tides" are the results.

After you swipe your card for whatever, the bank pulls out the money you used and some of it goes in the bank's safe. The rest is used for their payday.

You can pull your own report as many times as you like, we called them soft pulls. However, if you have your report pull by companies--3-6 entries could make a big difference in your credit score.

Every dentist can pull teeth, without any other title than 'dentist'. But if you mean the dental specialist who pulls teeth as part of the procedure of regulating and straightening your teeth, that guy is called an orthodontist.

pushes and pulls are things you do when energy is applied

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