Unlawful pulling of your credit report

Many of you out there may have looked on your credit report in the section called, "Inquiries", and noticed a creditor that you never had any contact with.  There are 2 sections of Inquiries, "soft" and "hard".  Hard inquiries are the bad ones that can drop your score from 3-5 points every time a creditor pulls your credit.  If you feel that a company has accessed your credit report without your permission or without any business purpose, you may be entitled to recover monetary damages.  I would advise everybody to look at your credit report at least once every 6 months to look for such issues.

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