Unauthorized Credit Pulls

Impermissible pulls occur when unauthorized parties access your credit report without your consent. These unauthorized inquiries, also known as hard inquiries, can negatively impact your credit score. Each hard inquiry typically lowers your score by a few points and signals to lenders that you might be seeking credit frequently, potentially indicating financial instability or overextension. 

Multiple impermissible pulls within a short period can significantly bring down your credit score, making it harder to qualify for favorable loan terms or credit opportunities. Because of this, many consumers try to avoid applying for multiple lines of credit within a short period of time. 

An impermissible credit pull may occur when you apply for a car loan or apartment and the company runs your credit without your consent. If you believe an entity has performed an unauthorized inquiry that has affected your credit, reach out to an experienced credit attorney for assistance as the offender may have acted in violation of the Fair Credit Reporting Act (FCRA) and you may be entitled to financial compensation. 

At Raburn Kaufman law firm, our attorneys have 24+ combined years of experience in guiding consumers like you through inaccurate credit reporting situations. Reach out to us at 877-662-2455 or fill out our intake form below to set up a free case evaluation with one of our credit reporting attorneys today. If we don’t win, you don’t pay!