I just checked my credit report today and found an inquiry from First USA dated 12/10/2004. I have a Bank One credit card, but have not applied for anything with them since I got this card last August. I am not very happy that they pulled my report with no authorization. The account rep gave me a 1-800 number to call on Monday to contact their lending division. He said they needed to pull the inquiry to evaluate a credit line or something along that line. Is this permissible? I am fuming! They had no right! I just want to scream!
First USA appears to be part of Bank One. Was this a hard inquiry, or a soft account review? If you have a Bank One CC, they would have PP to pull, but should be doing a soft AR inquiry. Some of their cards appear to be under both First USA and Bank One tradenames, so I don't know what the CR would show.
Maybe they are considering giving you a CL increase Yes, if you have an account with them They do have PP to do an account review and pull your report
