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CA inquiries -Hard Pulls

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Anonymous
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CA inquiries -Hard Pulls

First, I am new to the site - love it and on a mission to fix everything!
 
I need some clarification on CA's pulling my credit reports.  Are they allowed or no?  I have read conflicting things.
 
I think I have a junk dealer stalking me.  I have two things coming to SQL (6 yrs in MI).  Pulled my reports -contested to TU.  TU responded basically -it ain't no big thing and is not going to do anything about.  I am concerned because I am looking at refinancing from ARM to fixed.  
 
I also read somewhere that pulling a report could pull out a hidden skip trace.  Never heard of that -but makes sense as this injuiry came 1 day after a mortgage group did a hard pull.
 
Any thoughts -ideas?
 
Thanks in advance for comments.
 
Gulliver 
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