Unauthorized Inquiry HSN

Anonymous · ‎10-22-2015

Just got an alert on MYFico showing that HSN pulled my credit report on yesterday. Why? I have no idea bc I did not request anything from them nor have I logged into the account since I paid the account off. Has this happened to anyone else?

Anonymous · ‎10-23-2015

Never happened to me but I'd dispute this immediately.

Anonymous · ‎10-23-2015

@Anonymous wrote:
Just got an alert on MYFico showing that HSN pulled my credit report on yesterday. Why? I have no idea bc I did not request anything from them nor have I logged into the account since I paid the account off. Has this happened to anyone else?

HSN = Home Shopping Network?

Hard or soft pull?

Is the account actually closed or just paid to $0 and "sitting there"....?

Is it listed as closed on your reports?

Anonymous · ‎10-23-2015

The accoubt is open but has a zero balance.

Anonymous · ‎10-23-2015

Called them and the lady said her manager told her that they SP my report recently but I've never got an alert for a SP. Going to pull my credit report today. I said well since you SP my report did you give you increase she said no 😂

Anonymous · ‎10-23-2015

@Anonymous wrote:
The accoubt is open but has a zero balance.

If the account is still open, then they do have permissible purpose.

Anonymous · ‎10-24-2015

If I didn't request anything?

Anonymous · ‎10-24-2015

Anyone you are doing business with can SP at anytime. HP usually require permission. SP will not affect your score.

Anonymous · ‎10-24-2015

@Anonymous wrote:
Just got an alert on MYFico showing that HSN pulled my credit report on yesterday. Why? I have no idea bc I did not request anything from them nor have I logged into the account since I paid the account off. Has this happened to anyone else?

It was a SP. They can do this if you have an acct. or not. Two years ago, out of the blue, I had an HSN acct. and I never applied for one or responded to any mail. I didn't use it and they kept increasing the CL! Had never had this happen before. I made a miniscule charge this year just to keep it open in case they ever do have anything I need\want.

Anonymous · ‎10-27-2015

Thank you for that info