Suspicious Credit Pull from Car Dealership--Fraud?

Anonymous · ‎07-19-2014

I'm about to ask for a CLI on one of my cards, and pulled my free credit report from Experian to look it over before I request the increase. Everything looks ok except for one thing: there's a credit check from a Chevy car dealership a few weeks ago. I do not own a car, haven't been to this dealership or any other dealership, nor have I applied for a job there. I also received a missed call from a local Toyota dealership around the same time, but since they didn't leave a message I assumed it was just a misdialed call.

Now I'm wondering if these two things are connected. I don't have any hard pulls from either of the dealerships, but am wondering what I should do next? Any help would be appreciated.

EW800 · ‎07-19-2014

Is it listed as a SP or HP?

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Anonymous · ‎07-19-2014

Listed as a soft pull.

fused · ‎07-19-2014

@Anonymous wrote:
Listed as a soft pull.

Looks like a promotional inquiry. Nothing to worry about.

MT936 · ‎07-19-2014

@fused wrote:

@Anonymous wrote:
Listed as a soft pull.
Looks like a promotional inquiry. Nothing to worry about.

agreed

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Kirmie2010 · ‎07-21-2014

Same as above posters say, they just wanted your business.

Oddly enough I get Fingerhut hard pulls every month or so for 3 months now, I only applied once

Id call them back if you were looking for a car Otherwise ignore em.

tattooedhusker · ‎07-22-2014

@japakar wrote:
Same as above posters say, they just wanted your business.

Oddly enough I get Fingerhut hard pulls every month or so for 3 months now, I only applied once

Id call them back if you were looking for a car Otherwise ignore em.

If you get HPs from fingerhut every month, you might want to check into that!

EW800 · ‎07-22-2014

@Anonymous wrote:
Listed as a soft pull.

I would not be concerned if it/they are SP's. I have had two auto dealerships that I have no relationship with do a SP on me over the last year or two. I believe it is just like credit card companies that are looking for ideal customers.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Kirmie2010 · ‎07-22-2014

turns out the fingerhut was because they took it upon themselves to open me a five hundred credit line nearly two months after i applied and waa declined. no complainin here!