What to Do If Your Credit Report is Pulled Without Your Permission
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The Fair Credit Reporting Act or FCRA is a federal law that protects consumers from businesses, employers, and other persons from pulling your credit reports or background check report without your permission or consent.
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What is an Impermissible Credit Pull?
Generally, impermissible pulls are unauthorized credit inquiries called a hard pull on your credit reports with Equifax, Experian or Transunion. These hard pulls cause your credit scores to drop anywhere from 5 to 15 points. This means that a lender or creditor accessed your credit report and reviewed your credit file.
This is not the same as a “soft pull” where a creditor reviewed your credit for pre-screen offers. Soft pulls do not hurt your credit scores.
An employer cannot pull a credit report or a background check on you without your consent. If your employer has done so then they may have violated your rights under the FCRA and we would be interested in discussing your case with you.
Most Common Types of Impermissible Credit Pulls:
1) A creditor pulled your credit report without your written consent when you do not have business relationship with them.
2) Your employer pulled your credit report or background check report without first getting your consent.
3) A landlord pulled your credit report without your written consent to collect past due rent and landlord did not have a judgment against you.
4) You were an authorized user on a credit card and the credit card company pulled your credit report.
5) A creditor pulled your credit report on a non-credit account such as a lease without your consent.
6) A creditor pulls your credit report on a debt that was discharged in a bankruptcy.
7) A tax collector pulls your credit report without your permission without a subpoena, court order or a payment agreement in place.
8) Any person pulls your credit report in a divorce, criminal, personal injury, or other non-credit matter or lawsuit.