I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The employee at the dealership who pulled it admitted that he did this and did not have my consent. What should I do?
I have requested a credit line increase from my credit card company three times, and have been declined each time. Does this affect my credit history?
Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the credit card company?
I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for all these inquiries to be on my report so long from just one day of shopping for a car?
I have been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past that if too many people are doing credit checks on me, it signifies a problem and can reduce my credit scores. Is that true?
How do I know who is checking my credit reports? Can anyone check my credit? Do you keep a list of these people? I think my neighbor knows everything about my finances. How is that possible?
I am confused as to why I have only one inquiry on my report but all three bureaus say “too many inquiries last 12 months.” Is this affecting my score very much? Even if it is not, why are they using that as part of their scoring system for me?
I got a call from Sallie Mae telling me someone had pulled my credit report. How do I find out who that was and why?
Who can access my credit report? Do they have to have my permission? Is there anything you can do to prevent someone from accessing my credit report?
How often can I check my own credit without getting dinged for it? I do not want to affect my credit scores by over-checking.