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@lifehackslaw: Under the fair credit reporting act, nobody can pull your credit without your explicit permission! As Gen Z and milleneals, we don’t do a good job about knowing our rights, especially when it comes to credit & finances. They’ll keep doing it if we don’t sue them, so do it! #LifeHack #creditscore #lawtip #advice

Life Hacks Law
Life Hacks Law
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Region: US
Wednesday 20 August 2025 17:13:30 GMT
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autisthiccvero
Autisthicc :
They did this to me. I’m looking into suing the Mortgage company who pulled my credit for a loan when I explicitly said I did not want to be on the loan. Sure enough, I was listed and the borrower.
2025-08-20 19:17:00
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gospelofben0
gospelofBen :
How do you tell if someone has pulled your credit ?
2025-08-20 18:31:36
1
rraaeeiinn
Raein :
I’m pretty sure that only applies for a “hard inquiry” or a “hard pull”. There are “soft pulls”, prequalifying inquiries, fraud inquiries, and marking inquiries which are credit checks that are not required to report back to the bureaus that an inquiry was made. Bureaus offer these data sets as inquiries that sit outside of FCRA (Fair credit reporting act). Most background checks do not include a hard inquiry, but are usually “identity verification” data sets, which provide even more detail about you than a hard inquiry can contain. It’s also incredibly easy to get a credit score/report without doing a hard inquiry.
2025-08-21 06:08:15
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