Why have lenders pulled my credit report?

My credit score was 689 in the last month. My score has dropped to 650 in this month. There are 5 hard inquiries on my credit report. I have not applied for a single loan in the last month. Why have lenders pulled my credit report? I have lost so many points just because of them.

5 Answers

I would also advise you to simply dispute it with the credit bureaus. Before that pull out a copy of your report so that you know the exact negative listings.


to translate into english

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

How can you make assumptions that these are promotional inquiries??? People practice your english on a board where you wont damage someones credit.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

to translate into english

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

to translate into english

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Get a copy of your credit reports from all the three credit bureaus. Go straightaway to the bottom of each report to know the inquiries to find out who inquired.  There is nothing to worry about those hard inquiries that are not shown to the credit grantors because they are just the promotional ones. 

However, you need to take good care of the ones that are shown to the credit grantors. Find out the addresses of each creditor and send them a letter requesting them to  they remove their inquiries from your credit report. 

As per the Fair Credit Reporting Act, you can challenge whether or not the inquiring creditor/s had the appropriate authority to pull out your credit file. 


Use this letter to remove the inquiry from your credit report.

http://www.debtconsolidationcare.com/letters/sample14.html


If lenders have pulled your credit report, it must be showing up on the same. Dispute these with the credit bureaus.


Who pulled your credit??

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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