QUESTION ABOUT INQUIRIES AND AUTHORIZED USER

[cyberone28]

I am a little confused i just bought a new score power and my inquiries are 2 no.. hey were 17 less than 6 month ago..  and i thought that they stay on your credit for 2 years.. any explanation? because I AM EXITED !!!!  

also my fiance added me as an AU on her capital one credit card she said that they asked for my social name and address, will they do a HP  on me? and more or less how long they take to report on my credit file? will be the whole ENCHILADA or will beging starting this month?

PULLED TODAY OCTOBER  27, 2013

Inquiries that may be affecting your FICO® score

Total: 2 Times

Date Company making the inquiry

August 11, 2013	Conn Credi
July 27, 2013	Lexisnexis

PULLED JUNE 2013

Inquiries that may be affecting your FICO® score

Total: 17 Times

Date Company making the inquiry

June 07, 2013	1St Commcu
June 05, 2013	Sacu
June 04, 2013	1Stcommcu
June 03, 2013	Gillman Ho
June 03, 2013	Americredi
June 03, 2013	Frstinvst
June 03, 2013	Wfds
June 03, 2013	Cap One Af
June 01, 2013	Archer Kia
June 01, 2013	Cap One Af
June 01, 2013	Allyfinanc
June 01, 2013	Fifththrd
June 01, 2013	Americredi
June 01, 2013	Reg Accpt
March 09, 2013	Cap One
February 19, 2013	Cap One
February 17, 2013	Conn Credi

PULLED MAY 2013

Inquiries that may be affecting your FICO® score

Total: 9 Times

Date Company making the inquiry

March 09, 2013	Cap One
February 19, 2013	Cap One
February 17, 2013	Conn Credi
January 02, 2013	Chase Bank
December 26, 2012	Chase Bank
August 28, 2012	At&T Srvs
August 23, 2012	Sprntnxtl
July 26, 2012	Cap One
July 09, 2012	Chase Bank

[RobertEG]

In my opinion, there should be no permissible purpose for pull of your CR based on being added as an AU.

Their consent to report their account, of which you have no contract or debt obligation with them, to the CRAs is voluntary on their part.

It involves no extension of any credit on their part, and as a business transaction, there is no legitimate business need for their assessing your credit report as part of that decision. 

If they make an inquiry for your CR, unless you consented as part of their process, I would challenge any permissible purpose they provide to the CRA.