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"CREDIT BUREAU OF DELMARVA" why can they pull / open your credit without asking?

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RobertEG
Legendary Contributor
‎04-06-2012 07:29 PM
‎04-06-2012 07:29 PM

Re: "CREDIT BUREAU OF DELMARVA" why can they pull / open your credit without asking?

 

If they are either an existing creditor, or acting on their behalf, or a party with whom you have initiated a business transaction or request for credit or insurance, they dont need consumer permission.  That is the entire purpose of FCRA 604..... to permit business to go on without undue impediment.

Message 11 of 15
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AndySoCal
Senior Contributor
‎04-06-2012 08:33 PM
‎04-06-2012 08:33 PM

Re: "CREDIT BUREAU OF DELMARVA" why can they pull / open your credit without asking?

Credit bureau of Del Mariva is a credit reporting agency.  Most likely  the lender for your re -fi used them to pull your credit.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
Message 12 of 15
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Anonymous
Not applicable
‎04-08-2012 10:54 AM
‎04-08-2012 10:54 AM

Re: "CREDIT BUREAU OF DELMARVA" why can they pull / open your credit without asking?

A "soft" inquiry has 0 affect on of your score and other lenders do not see it. A "hard" can have a affect and other lenders can see it
Message 13 of 15
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Anonymous
Not applicable
‎11-20-2012 10:41 AM
‎11-20-2012 10:41 AM

Re: "CREDIT BUREAU OF DELMARVA" why can they pull / open your credit without asking?

That haven to me apply for mortage with credit plus both come up with a search did it being your score down any

Message 14 of 15
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Anonymous
Not applicable
‎10-25-2013 03:25 PM
‎10-25-2013 03:25 PM

Re: "CREDIT BUREAU OF DELMARVA" why can they pull / open your credit without asking?

My credit score is only 780 after all credit co. Checked. I pay all my bill before they are due. Just think my score should be higher
Message 15 of 15
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