How often does this occur, IE when someone or some company checks your credit without permission?  I start thinking about identity fraud whenever I see this type of stuff...

Hello Kaushik,

I couldn't tell you how often it occurs, sorry.  Fraud is certainly a concern.  I've seen this to be helpful when raising a score by just a few points makes a significant change in the approval and mortgage rate.  Anytime your credit is pulled, they are required to have written permission.  If you didn't grant written permission, then you can get the inquiry removed.

That is disturbing to say the least.  I have heard of car salesman pulling credit without the knowledge of the prspective buyers.

Great letter.  We should all take the time to look at our credit report and also to follow up with items like this.