I'm using CreditWatch to keep tabs on my credit file. Today I got an email saying that TC/Birchwood Credit pulled a HARD inquirey on me for McLaughlin Financial for a real estate loan. I have no idea who this is and NEVER requested any information on a real estate loan. I'm looking for some advice and direction as well as what are my rights here. What should I do first? Thanks,
I would call the CRA this morning and get the full name and address of the company that pulled. Then I would send the letter that demands to know what their PP is under the FCRA, and absent any PP, they need to #1, delete the inquiry, and #2 send you a check for $1000. Sorry, and read Sec. 604 of the FCRA, it explains Permissable purpose, then Sec. 616 for the penalty.
