Hard Inquiry By a Company I've Never Heard Of

[lilacbouquet]

I pulled my report and found a hard inquiry from a company I've never heard of. They appear to be a collection agency, but I have never received any contact from them. The inquiry was quite some time ago (a little over a year), so should I just let it fall off at the beginning of 2013 or should I ask them to remove it?

Since I have never been contacted by them, I have no idea what debt it is in reference to. I'm afraid if the debt is within SOL and I send a letter asking for removal, that will just put me in their sights.

[RockDaddy]

Dispute it with the CB's.

Tell them you didn't authorize the pull and don't recognize the name of the entity that did. They should pull it off.

As you know, entries only stay for 2 years, but likely a hard pull dinged your score. I'd ask for it to be removed, personally.

[aboss3]

Dispute it with the CB's.

Tell them you didn't authorize the pull and don't recognize the name of the entity that did. They should pull it off.

As you know, entries only stay for 2 years, but likely a hard pull dinged your score. I'd ask for it to be removed, personally.

I did the same thing. One of my collection agencies pulled my credit which resulted in a hard inquiry. I sent a letter to the CA as well as CRA and CRA removed it.