Contributor
nc
Posts: 87
Registered: ‎01-16-2009
Re: Credit pull after authorization expired

 

The time I requested credit I authorized them giving 20 days window to pull credit. I explicitly wrote “Authorization is valid for next 20 days” and  they accepted it knowing they have 20 days.

 

My understanding is any credit pull by them after 20 days is unauthorized.

 

I have asked them to remove all or any inquires after authorization ends, will see what happens.

 

It is not the matter of how much score drops or gains after inquiry it is the matter of contract I signed with them.

 

Current Score: EQ: 786 (08/23/2012), EX: 802 (08/23/2012), TU: 774 (08/23/2012),

Goal Score: 800+ FICO across the board