Credit Cards Center Credit cards from our partners
Valued Member
Posts: 38
Registered: ‎05-17-2012

Inquiry on equifax MICROBILT?

Does anyone know who these people are? I dont know if they are a collection agency or what. Ive already sent them an email asking why they pulled my credit report. The only thing I can think of is that Ive been trying to get my car fixed by doing in house financing with NO credit check and maybe one of these places actually pulled my credit report without my permission. Im waiting on an email back from them but am hoping someone else may have some insight on them. Also, Is there anyway I can get them to delete this inquiry. 

Community Leader
Epic Contributor
Posts: 26,687
Registered: ‎03-19-2007

Re: Inquiry on equifax MICROBILT?

The entire intent of the lengthy listing of permissible purposes for accessing a consumer's credit report set forth in FCRA 604 is precisely to allow parties to pull your credit report without your express permission.  Otherwise, normal business activities would come to a crawl.


If you initiated a business transaction where they can assert a legitimate business purpose for reviewing your credit as part of that transaction, they do not need your express permission.  You thus need to know if the party had a permissible purpose.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.