Credit Reports With Fico Scores
2010
Why is my bank and credit card company running random credit checks on me and how is this affecting my fico?
I was just checking my credit report and noticed that chase, first usa, first entertainment union amongst others, have been running credit checks without my consent. I have accounts with all of these companies and have had them for years but there should be no reason for them to check my credit. Does this affect my fico score and how can I stop them from unsolicited credit checks.
They are most likely checking to see if you qualify for an offer they want to send you.
As part of the accounts you have with the banks, you gave them the right do these random checks. Don’t worry, these kind of checks have NO impact on your credit score.
Employment background credit checks also don’t impact your credit score.
Only checks that you specifically authorize for a specific loan or purchase have an impact on your credit
Money Management : How to Interpret FICO Scores
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