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I was shopping around for a refi. Talked to a mortgage broker, sent him my tax returns and a copy of myfico 3 company credit report. Next thing I know I get a hard pull notification. I email the broker telling him I never authorized it and it needs to be removed. He said it can't. What else can I do?
I don't think there is much you CAN do. You sent him your information and this may 'constitute' a PP. How is he supposed to be able to give you advice without seeing your credit report?
I hope someone can give you some concrete information. I wish there was a form or some sort of 'approval' you would have to give before PP's......it's just such a gray area.
I just asked for a cli on CareCredit automated.....it said NOTHING about a hard pull, yet they did a hard pull. Oh well, I needed it!
Good Luck OP!
He was able to give me advice bc I ordered the credit report myself and emailed it to him which doesn't result in a hard pull. Regardless he still did it.
I read on here somewhere people had some success with disputing an inquiry. I tried it on an inquiry I had no knowledge of. It was from a mortgage lender from another state that I had never done business with. They had no knowledge of it but said they could not delete ( I sent them a letter before I disputed online). After the online dispute, the inquiry fell off my report.
@frebay333 wrote:I was shopping around for a refi. Talked to a mortgage broker, sent him my tax returns and a copy of myfico 3 company credit report. Next thing I know I get a hard pull notification. I email the broker telling him I never authorized it and it needs to be removed. He said it can't. What else can I do?
He can definitely have them recoded as SP.