Reader Christine recently left a comment on the What is a good credit score? post in which she asked how she could get unauthorized hard inquiries removed. For her particular case, it’s likely that she agreed to the hard inquiries when she “clicked on a link on some website that I do not even remember now and got phone calls from about 5 lenders. I had very enlightening conversations but decided not to apply.”
Whether you apply for a loan or not, when you request quotes you will have agreed to the lenders pulling your credit report. They can’t give you a rate quote without knowing your credit score and credit history. Reputable companies won’t pull your credit without your permission because it’s illegal (it violates this: Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer).
But there are cases where someone could make an unauthorized hard inquiry and the solution is to send a “remove inquiry letter” to the credit reporting agencies.
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