Can a creditor do a hard inquiry on my credit report?

I know it feels like an invasion of privacy when someone pulls your credit report without authorization. The FCRA allows credit reporting agencies to give your credit reports to people under permissible purposes. For instance, they can show your credit report to lenders at the time of extension of credit.

Usually, in case of hard inquiry, a business or a creditor needs your permission to do it.

The creditor needs your permission to do that.

Yeah, a creditor must get your approval before pulling your credit report.

Usually, a creditor will ask you before pulling your credit report.

Generally enquiry are of two types :

1) Hard - This is where banks do a serious credit wellness of your profile and it will hit your credit score

2) Soft - This is where you will check your credit score for free without any charges this will not hit your credit score sites like mymoneykarma provide score & Credit reporting with full analysis online.