"You understand that by clicking on the "Continue" button immediately following this notice, you are providing "written instructions" to Household Bank (SB), N.A. under the Fair Credit Reporting Act authorizing Household Bank (SB), N.A. to obtain information from your personal credit profile and non-credit data from Experian. You authorize Household Bank (SB), N.A. to obtain such information solely to confirm your identity to reduce the possibility of fraudulent transactions in your name." Am I understanding this right that they are going to pull my credit and other info from Experian? Well, thats what I thought, but low and behold, I have an inquiry on my EQUIFAX credit report! Doesnt make too much sense to me. Can someone lend their opinion on this, and what I should do?