Re: Reports pulled without permissi
Does your loan have a fixed interest rate and finite number of payments? If so, sounds like it's NOT alright to pull - there's an opinion letter about this on the FTC site. It's quoted often in threads.
If it's a line of credit, variable rate, etc. then it is permissable. Hopefully these are soft (AR, account review) and not hard inquiries.
Ch7 BK filed Aug '01 - got $300k+ mtg 5.5% fixed w/5% down and car loan since - no luck, just built up CL w/crap cards and paid them off.
May'03 ->Apr'04 [fako]-FICO
EX 580-> 712
TU 590-> 697
EQ 585-> 679(BK off, gained 3 lousy points!)
balance was 18.5k, now $2k! utilization was 95%, now 10%