Two days ago I noticed that an old Sears charge card that I have not used in 4 years was showing up as open on all three of my credit reports. Since I don't even know where the card is, I called SEARS/CBSD and told them my card was lost and I needed one mailed. They verified my address and told me that they would mail it in 7 days.
Yesterday I received an alert from TrueCredit saying:
NEW INQUIRY from SEARS/CBSD on 10/19/07 on TransUnion report.
Can they legally run a hard credit check for a replacement card? I had no idea they would this. How can I fight this so that they remove the hard check?