2007-03-21 11:19:10 · 3 answers · asked by ROBERT S 1 in Business & Finance ➔ Credit
You can dispute hard inquiries on your credit report (those inquiries that actually affect your credit score). If you did not authorize the company to check your credit, they are not allowed to inquire on it.
Soft inquiries are the inquiries like those from credit card companies that send out the pre-approved notices. They are not actually getting a detailed look at your credit report and do not affect your score at all.
2007-03-21 11:26:27 · answer #1 · answered by Brian G 6 · 2⤊ 0⤋
I agree with Brian G
If a company has no permisible purpose to pull a hard inquiry you can legally dispute it.
If they own an account of yours (original creditor or collection agency) or you had requested credit, they have permisible purpose.
2007-03-21 11:38:22 · answer #2 · answered by echo 7 · 0⤊ 0⤋
Yes, Call the Credit Bureau in your area and ask to talk about your credit. They will discuss your options with you and find out if if a mistake was made. I myself have had to do this.
2007-03-21 11:41:43 · answer #3 · answered by Anonymous · 0⤊ 0⤋