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@RobertEG wrote:Credit report inquires that are subject to inclusion in a consumer's credit report (i.e., so-caled "hard" pulls) are those that have stated permissible purpose under FCRA 604 provided by another.
That section of statute applies only to parties who are requesting a credit report of a consumer, NOT to consumer requests for their own report.
The monitoring service, via your business relationship with them, is your legal representative, and requests they make are legally requests of the consumer, not a third party.
That's a crucial distinction. Thanks for pointing it out!
I agree, in fact, it is expressivley written that checking one's own CR will not affect their credit. It is a shame that a CSR is not trained in this aspect.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
