I had a discover card fifteen years ago. It is not on my credit report. Today out of the blue they did a hard pull inquiry on my credit report with all three agencies. Can they do this?
Are you absolutely sure it wasn't a soft pull? They would have no reason to do a hard pull unless you were actually applying for new credit or some type of new account.
I am sure it was a hard pull because that is what the credit alert says. I did not apply for anything because I am in contract on a short sale and waiting for them to get their approval (another story).
