https://ficoforums.myfico.com/t5/Student-Loans/Is-this-an-unathorized-or-authorized-inquiry/m-p/488866#M3031 <P>Anyone know how inquiries work.&nbsp; My daughter started college and needed additional financial aid, so she applied for Sallie Mae student loan.&nbsp; However the school she was attending said that they needed to run my credit first before running hers.&nbsp; If my credit was too bad/low and didn't qualify then they would only use her credit.&nbsp; So me being the parent that I am, signed the form knowing that my credit at the time was really bad and I wouldn't qualify.&nbsp; Well to make a long story short, I didn't qualify and therefore all student loans were on my daughters credit.&nbsp; However this took place last May 2008 and now a year later, the school runs my credit again.&nbsp; I get a credit alert of a new inquiry from Sallie Mae and a letter in the mail stating that I couldn't get a student loan based on my credit history.</P><P>My question is can Sallie Mae keep on running my credit as they please and me ultimately keep getting hit with more inquiries on my TU? Is this an unathorized inquiry?</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P>My scores are slowly improving.&nbsp; TU has moved up 563 to 617 in the past few months.&nbsp; The</P> Thu, 23 Apr 2009 17:42:11 GMT Red22 2009-04-23T17:42:11Z https://ficoforums.myfico.com/t5/Student-Loans/Is-this-an-unathorized-or-authorized-inquiry/m-p/488866#M3031 <P>Anyone know how inquiries work.&nbsp; My daughter started college and needed additional financial aid, so she applied for Sallie Mae student loan.&nbsp; However the school she was attending said that they needed to run my credit first before running hers.&nbsp; If my credit was too bad/low and didn't qualify then they would only use her credit.&nbsp; So me being the parent that I am, signed the form knowing that my credit at the time was really bad and I wouldn't qualify.&nbsp; Well to make a long story short, I didn't qualify and therefore all student loans were on my daughters credit.&nbsp; However this took place last May 2008 and now a year later, the school runs my credit again.&nbsp; I get a credit alert of a new inquiry from Sallie Mae and a letter in the mail stating that I couldn't get a student loan based on my credit history.</P><P>My question is can Sallie Mae keep on running my credit as they please and me ultimately keep getting hit with more inquiries on my TU? Is this an unathorized inquiry?</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P>My scores are slowly improving.&nbsp; TU has moved up 563 to 617 in the past few months.&nbsp; The</P> Thu, 23 Apr 2009 17:42:11 GMT https://ficoforums.myfico.com/t5/Student-Loans/Is-this-an-unathorized-or-authorized-inquiry/m-p/488866#M3031 Red22 2009-04-23T17:42:11Z