Yes, anytime you apply for ANYTHING where they have to pull your credit, you are authorizing them and giving them permissible purpose.
Also, anytime a CA buys or is assigned a debt they automatically have PP and can pull your CR.
One thing that really pisses me off that we can't do much about are acct reviews by current OCs/cc companies. Once you have an acct with them, they can pull your CR anytime they want.
Amex is one that does this a lot. Not sure if they do it randomly or maybe if you are late on a payment........but for whatever reason, they like to do ARs.......and then sometimes they will lower your CL and/or increase your APR depending on what they see. It's BS.
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~Trish~ |