I received a hard inquiry on my Experian credit report on 5/27. I have not applied for anything or gave my consent for an inquiry. Before I call them, has this happened to anyone else, or would anyone have any insight?
As a side note- I did apply for a mortgage loan in January, was approved, and closed on the house in March. In January, I only authorized 2 companies to run my credit, and they both did.
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Innovis is the 4th major CRA. If they don't have PP though, you can dispute their inquiry.
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These are usually mortgage brokers. Since you closed two months ago you might want to contact the parties you had run your credit in January.
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Thanks for the fast replies! Should I contact the companies that I applied with in January, or just CBC directly?
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disputing an inquiry is the LAST thing the OP should do.
if there is no PP, use the FCRA.
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it is very common for an additional pull to be made right before closing. moreover, PP usually exists for at least 90 days.
FWIW, CREDCO and CBCInnvois are third party companies that often pull on behalf of mortgage and auto dealers.
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I agree they probably had PP, it just seems unusual and perhaps they did it by mistake. Whichever company did it could at least shed some light on it.
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agreed.
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it is very common for an additional pull to be made right before closing. moreover, PP usually exists for at least 90 days.
FWIW, CREDCO and CBCInnvois are third party companies that often pull on behalf of mortgage and auto dealers.
+1
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Sorry for the naïveté, but what is PP?
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Permissible purpose; the lawful accessibility to your credit report.
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CBCInnovis = Credit Bureau Of Connecticut via Innovis. Very commonly used for mortgage and auto loan applications, especially in the Northeast.