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

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Can a creditor do a hard inquiry on my credit report without my permission?




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.

Sub: #1 posted on Fri, 08/04/2017 - 01:17

ditchdebt ditchdebt

(Posts: 669 | Credits: 254.25)

The creditor needs your permission to do that.

Sub: #2 posted on Fri, 08/04/2017 - 04:40

sanderspatricia29 sanderspatricia29

(Posts: 724 | Credits: 75.57)

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

Sub: #3 posted on Fri, 08/04/2017 - 05:26

Good Nelly Good Nelly
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(Posts: 2670 | Credits: 533.36)

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

Sub: #4 posted on Fri, 08/04/2017 - 05:58

Barbara Delinsky Barbara Delinsky

(Posts: 331 | Credits: 33.21)

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.

Sub: #5 posted on Tue, 08/15/2017 - 01:56

anirudh anirudh

(Posts: 1 | Credits: 0.14)

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