When I was reviewing the inquiries on my credit report and my DHs credit report, I noticed something odd. Wells Fargo ran our credit June 20, 2002. We closed on our home loan July 13, 2002. They ran it AGAIN on August 27, 2002. I've called and spoken with 7 different people about getting the inquiry removed, but no one seems to know WHO or WHY it was ran. Isn't this illegal for them to run another hard inquiry without our permission?
I would send them the no permissable purpose letter that mentions the penalties for non-compliance. That might get their attention, and have someone answer your question. Do a search, its in several posts.
