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	<title>Comments on: Hard Credit Check vs. Soft Credit Check</title>
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	<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/</link>
	<description>Money Management, Small Business, Career</description>
	<lastBuildDate>Fri, 20 Nov 2009 20:44:55 -0500</lastBuildDate>
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		<title>By: Patrick</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-20456</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Thu, 19 Nov 2009 16:40:37 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-20456</guid>
		<description>To be honest, I&#039;m not sure what your options are. You can complain to the company, Better business Bureau, or state attorney generals office, though I&#039;m not sure what, if anything will come of it. State laws probably vary on this topic, so I&#039;m not sure I can offer much more than that. Sorry!</description>
		<content:encoded><![CDATA[<p>To be honest, I&#8217;m not sure what your options are. You can complain to the company, Better business Bureau, or state attorney generals office, though I&#8217;m not sure what, if anything will come of it. State laws probably vary on this topic, so I&#8217;m not sure I can offer much more than that. Sorry!</p>
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		<title>By: Jen</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-20455</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Thu, 19 Nov 2009 16:32:48 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-20455</guid>
		<description>No it was not mentioned or read in the contract.</description>
		<content:encoded><![CDATA[<p>No it was not mentioned or read in the contract.</p>
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	<item>
		<title>By: Patrick</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-20454</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Thu, 19 Nov 2009 16:27:41 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-20454</guid>
		<description>Credit checks are common, but the company pulling your credit file needs to have a valid reason and usually, if not always, your permission. Was it written in the contract that your credit would be checked, or mentioned verbally?</description>
		<content:encoded><![CDATA[<p>Credit checks are common, but the company pulling your credit file needs to have a valid reason and usually, if not always, your permission. Was it written in the contract that your credit would be checked, or mentioned verbally?</p>
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	</item>
	<item>
		<title>By: Jen</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-20453</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Thu, 19 Nov 2009 16:15:38 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-20453</guid>
		<description>I was looking into an alarm system and had the sales person out to my house.  Went over some numbers with him.  I signed the contract but was never told that my credit was going to be pulled.  Is that legal?</description>
		<content:encoded><![CDATA[<p>I was looking into an alarm system and had the sales person out to my house.  Went over some numbers with him.  I signed the contract but was never told that my credit was going to be pulled.  Is that legal?</p>
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	<item>
		<title>By: Patrick</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-18398</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Wed, 03 Jun 2009 13:33:42 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-18398</guid>
		<description>Improving your score takes time, and I don&#039;t know if it can be done in a month. Here are some tips on &lt;a href=&quot;http://cashmoneylife.com/2008/05/28/how-can-i-improve-my-fico-credit-score/&quot; rel=&quot;nofollow&quot;&gt;how to improve your credit score&lt;/a&gt;.</description>
		<content:encoded><![CDATA[<p>Improving your score takes time, and I don&#8217;t know if it can be done in a month. Here are some tips on <a href="http://cashmoneylife.com/2008/05/28/how-can-i-improve-my-fico-credit-score/" rel="nofollow">how to improve your credit score</a>.</p>
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		<title>By: Angel Guzman</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-18397</link>
		<dc:creator>Angel Guzman</dc:creator>
		<pubDate>Wed, 03 Jun 2009 13:28:19 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-18397</guid>
		<description>I have been chashing the requirements for a refi @ first 580 was needed when I got to the 580 the requirement went up to 600 now it is 620. Last week i had a 607 mid score but when i applied for an approval online they returned my mid score of 589 that&#039;s 18 points. The loan officers all stated that when they pulled an inquiry it does not effect the score. In the past 2 months I have been trying to get the best deal to refi. Is there any way to increase the score 30 points I need to do this refi within the month. Thanks</description>
		<content:encoded><![CDATA[<p>I have been chashing the requirements for a refi @ first 580 was needed when I got to the 580 the requirement went up to 600 now it is 620. Last week i had a 607 mid score but when i applied for an approval online they returned my mid score of 589 that&#8217;s 18 points. The loan officers all stated that when they pulled an inquiry it does not effect the score. In the past 2 months I have been trying to get the best deal to refi. Is there any way to increase the score 30 points I need to do this refi within the month. Thanks</p>
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	<item>
		<title>By: Patrick</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-13509</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Sat, 20 Sep 2008 02:03:36 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-13509</guid>
		<description>Sheryl,

They should only run your credit once, and that is only with your permission. If they continue to contact you after you have repeatedly asked them not to, that can be considered harassment. I recommend asking to speak to a manager and explicitly request to be permanently removed fro their calling list. After that, they can no longer call you. As for credit checks, if they pulled your credit without permission, you may be able to have that removed from your credit report by contacting the credit bureaus and notifying them of an error. Good luck, and I hope the company stops harassing you.</description>
		<content:encoded><![CDATA[<p>Sheryl,</p>
<p>They should only run your credit once, and that is only with your permission. If they continue to contact you after you have repeatedly asked them not to, that can be considered harassment. I recommend asking to speak to a manager and explicitly request to be permanently removed fro their calling list. After that, they can no longer call you. As for credit checks, if they pulled your credit without permission, you may be able to have that removed from your credit report by contacting the credit bureaus and notifying them of an error. Good luck, and I hope the company stops harassing you.</p>
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		<title>By: Sheryl Massey</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-13496</link>
		<dc:creator>Sheryl Massey</dc:creator>
		<pubDate>Fri, 19 Sep 2008 20:52:06 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-13496</guid>
		<description>I applied for a car a month and a half ago and they are still checking my credit. They keep calling me and leaving messages for me to call them. I have spoken with them twice and told them I no longer interest but they continue to call me and run my credit. What can I do?</description>
		<content:encoded><![CDATA[<p>I applied for a car a month and a half ago and they are still checking my credit. They keep calling me and leaving messages for me to call them. I have spoken with them twice and told them I no longer interest but they continue to call me and run my credit. What can I do?</p>
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	<item>
		<title>By: Patrick</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-11932</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Thu, 21 Aug 2008 19:45:22 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-11932</guid>
		<description>Laura,

I&#039;m not sure. If they are doing a soft credit check, it won&#039;t affect your credit score, so it shouldn&#039;t matter. Companies are only allowed to do a hard credit check if you give them permission.</description>
		<content:encoded><![CDATA[<p>Laura,</p>
<p>I&#8217;m not sure. If they are doing a soft credit check, it won&#8217;t affect your credit score, so it shouldn&#8217;t matter. Companies are only allowed to do a hard credit check if you give them permission.</p>
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	<item>
		<title>By: Laura</title>
		<link>http://cashmoneylife.com/2008/08/08/hard-soft-credit-check-inquiry-pull/comment-page-1/#comment-11931</link>
		<dc:creator>Laura</dc:creator>
		<pubDate>Thu, 21 Aug 2008 19:36:44 +0000</pubDate>
		<guid isPermaLink="false">http://cashmoneylife.com/?p=848#comment-11931</guid>
		<description>Is it legal or is there a limit to how many times a single company can do a credit check on a single person?</description>
		<content:encoded><![CDATA[<p>Is it legal or is there a limit to how many times a single company can do a credit check on a single person?</p>
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