Inquiry

[lalaredd]

Last night I ordered a tv from ShopNBC w/ 6 value pays on my personal credit card.  This morning EQ sends me a credit alert.  My questions are: 

Why does ShopNBC pulls inquiries for Value Pays?

How to tell if it's a hard or soft pull?  

Will this affect me pulling up my credit score? Im trying to get a FHA loan by Sept 1st.

Can I asked ShopNbc to remove it, since I didn't apply for any credit card with them?

[Anonymous]

The FAQs about ValuePay states "Please note that orders submitted on ValuePay® are subject to credit approval and that ShopNBC reserves the right to make credit inquiries. "   Not sure how easy it will be to get them to remove it. 

You will have to explain this inquiry if you are trying to purchase a home in September.  

[RobertEG]

Access to your CR is not limited to inquiries regarding the extension of credit.  The are also authorized under section 604 with respect to "business transactions initiated by the consumer."