Don't they have to tell you first!

[Express]

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@Express wrote:

Hi, I just called Fidelity Amex, to ask for a CLI and was told they had to ask me a few questions / Income / Home / Job and so on. I agreed and answered the questions then was told they may need some more Information and someone will call me within 3 days I said that's fine and hung up the phone.Once I hung up I received a text from TU Credit Service saying an inquiry had been placed on my report!.The CSR, didn't say anything about pulling my report! maybe it's just me. But don't they have to tell you first?  

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I just spoke with a young lady at Fidelity about the HP for a CLI and she said that the CSR was suppose to tell me that it was going to be a HP.

[RobertEG]

It is a courtesy, and certainly a good business practice, to inform the consumer, but not a requirement.

[Anonymous]

That is suprising for sure. I thought they had to tell you. 

[RobertEG]

Since the permissible purpose is due to an initition by the consumer of a request for credit or for a business transaction, the consumer is assumed to be aware that their act provides basis for a credit inquiry,

The intent of section 604 is to avoid issues of consumer involvement in the inquiry process once the consumer has initiated an action that permtis a pull of their credit report.