Hard Pull Credit Report | Arlington, TX | Weatherford, TX | Attorney
You may find it’s time to refinance a loan or mortgage, thanks to the plummeting interest rates currently in the market. To get a good rate, you’ll need a good credit score. Check for unauthorized hard pulls and other inaccuracies on your credit report yourself.
If you haven’t done so in the past twelve months, download and read your credit report. It’s free at www.annualcreditreport.com
If you spread out your credit checks evenly across the three CRA’s (credit reporting agencies), you’ll be able to read your credit report as often as every four months. Your credit report is what fashions your credit score, so it’s far more important.
One of the easiest problems to spot is the HARD PULL section. It’s usually located near the bottom of the report, and is easy to navigate to and examine. See something you don’t recognize? Good work!
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Knowing your credit background is key when I help you secure an accurate credit report, and my clients across Watauga, Grand Prairie, Richland Hills, Duncanville, Grapevine, and Prestonwood all know how effective that can be.
Do a review of your past year in your memory. Did you sign up for any credit cards, or maybe search for a new loan or service of some kind? There are any number of applications that can merit a hard credit check, but there are limits! Protect yourself.
With those few instances in mind, read through the report’s list of hard pulls and see if they match up. You should be able to count these pulls on one hand, unless you’ve gone through a major series of financial events, or moved to a new living place.
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If you’ve checked your hard pulls, and everything looks as it should, then your credit score is alive and well, the best it can be.
But what if you see a duplicate entry, let’s say? Maybe you went to Joe’s Car Dealership in search of a new car. You walked away with a leased vehicle, and not one, but two hard credit pulls. You likely authorized the first pull, but what of the second one?
Accessing your credit without your prior authorization is, in many cases, illegal. Stand up for your rights as a consumer and hold the company accountable for such activity, and improve your credit score in the process.
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If you work with me to file a lawsuit to correct your credit, which can be a rapid and effective reaction, I will additionally make sure that your credit report is accurate, hard pulls and all.
Whether you’re located in Mineral Wells, Annetta, Aledo, Cool, or Azle, your right to a fair credit report and resulting credit score is the same as anyone else’s, and I’ll fight for it. As soon as you give me a call, we’ll get to work.
I’m James Foley, PLLC, and I’m a debt defense attorney located in downtown Fort Worth, with clients across DFW. I’m looking forward to discussing your credit report, credit score, or any debt defense solutions you may be looking for. Call me anytime at 817-738-1633 and we’ll hit the ground running.
And remember, the statute of limitations on correcting a hard credit pull is as low as two years. If you only check your report once a year or less, that could leave you with only months or weeks to act. Don’t wait another day!