Inquiry NO authorization

[annielorie]

Got 2 Questions re: inquires  It has always been my understanding that if an inquiry appears on your credit report and it is not authorized it must be removed by the CRA.ie: no signed documents or computer to attach the inquiry to.  2nd question Did you know that Hertz rent a car actually does hard pull if you rent a car with debit??

[LIGHTNIN]

You can send the company a non authorized inq letter.

[annielorie]

Yes but its a littlw mor ecomplicated than that.  I rented a car associate told me the credit check wasn't like when you buy a car or house but rather identifying info name address and cc in same address as explained thought this to be soft inquiry when actually it was a hard inquiry 4th time sending letter to Hertz to have these removed.  Then to add insult to injury they ran it a second time 4 days later.  I know I didnt sign anything but transunion says that they don't have to prove that an inquiry was authorized and they can do nothing.

[RobertEG]

The FCRA is set up in a way that intentionally removes the need for express consumer authorization for most credit inquiries.  The statute itself provides the authorization.

Section 604 provides a lengthy listing of permissible purposes that do not need express consumer approval.  Otherwise, the credit industry would come to a near stand-still.

"Business transactions intiated by a consumer" are clearly a permissible purpose.  That is what businesses such as car rental, utilities, cable/sat TV, etc., use.

The problem arises when a business or credit transaction is not initiated by the consumer.  In those instances, the inquiree must obtain consumer pre-approval, or in the case of a firm offer for credit, are limited only to obtaining the consumer's name and address.

Credtiors keep on file with the CRA a general certification for those inquiries they commonly make, and dont have to provide a separate certification of permissible purpose for each and every inquiry.  They just state that it is for a purpose they have previously certified to the CRA.

[annielorie]

I understand this I think but in a case where I personally did not authorize a credit check what can be done surly if someone was trying to open accounts fraudulently after I got a security freeze there must be someway to repair???IE: close accounts and remove inquiries what steps can I take

[pizzadude]

Every car rental agency will pull your credit if you don't preathorize or prepay with a credit card. They should tell you this at the rental counter ~ also there is usually signage indicating this as well.

[LS2982]

---

@annielorie wrote:

Got 2 Questions re: inquires  It has always been my understanding that if an inquiry appears on your credit report and it is not authorized it must be removed by the CRA.ie: no signed documents or computer to attach the inquiry to.  2nd question Did you know that Hertz rent a car actually does hard pull if you rent a car with debit??

---

3 words

Freeze.

Your.

Reports.

Problem solved from here on out.

[annielorie]

Thats the joke I did prepay by about 400 %  hope hertz will delete because after executive customer service I'll go up the chain until they are completely dleted I dont take no for an answer especially when I"m right

[annielorie]

Ls I thought if I  freeze my reports that lenders look down on you and are suspicious also will I still be able to check my credit through karma and the like???

[RobertEG]

I am not defending the auto rental industry in doing credit checks, but I do think they still have a legitimate business need, even if payment is made for the full amount of the rental, or even more.

Most rental agreements have a responsibility for damages clause related to damage caused by the rentor. No one knows upon initial rental what financial obligations may ultimately be associated with the transaction, and if the rentor's insurance will cover it.  That, to me, would be a legtimate business need.