Originally Posted by DataPlumber
That is an incorrect statement. You have to give express permisssion for your credit to be checked, a credit app is the vehicle by which this is accomplished. If this did actually occur, you have recourse under the credit reporting laws.
Actually, this is incorrect. Credit card, mortgage companies, etc. do this routinely. These inquiries show up on your report, although they don't "count against you" in terms of credit rating since they were not initiated by you. If you pull a copy of your credit report, though, you can see them. And I know that I didn't authorize each of those inquiries
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Cheers.