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Showing results for tags 'mortage inquiry'.
This is on an impermissible mortgage inquiry. I have a share savings account only, at a credit union, that I opened in October 2013. One of my credit report monitoring services notified me that my credit union pulled an inquiry on my name in September 2015, which is 2 year later, for the stated purpose of a mortgage inquiry through Kroll Factual Data. I do not have a mortgage and never applied for one. I did not apply for any loans or do anything other than making deposits into my savings account. As such, there was no reason to be generating a mortgage inquiry on my credit report. I have excellent credit, with a credit score of around 800, with no collection activity. Is this permissible for them to pull this without good cause? I sent an email to the credit union asking why they pulled this and they have not responded. The credit union didnt report anything on my name, just the inquiry that shows up. Since this was a hard inquiry, this could lower my credit score, although my score is high, around 800. Do I have a case? What should I do?