Is it illegal to run a credit report over and over without authorization?

I believe so, yes. You must give authorization for someone to make a %26quot;hard%26quot; inquiry on your file, where they see everything. %26quot;Soft%26quot; inquiries, where credit card companies sniff to see if they want to issue you a preapproved offer, don%26#039;t require your authorization and they don%26#039;t show up as inquiries on your credit report.

Is it illegal to run a credit report over and over without authorization?

IT depends on what you mean by %26quot;run a credit report.%26quot; Hard inquiries (attenpts to obtain debt) can only be initiated by you. Soft inquiries may show up as PRM (Promotional) or AR (Account Review) and do not affect your credit score. Companies with a permissible purpose may gain access to your credit report (soft inquiries) without your permission, unless you opt out by calling (888) 5-OPT-OUT.

Is it illegal to run a credit report over and over without authorization?

It depends on exactly what you are are trying to do.

If someone pulls a persons full credit report, %26quot;Hard Inquiry%26quot; without their knowedge or approval then even 1 time is illegal and that person/company will get into serious trouble.

There are situations where they may have %26quot;implied authorization%26quot; such as when you go in to a car dearship and fill out a loan application. They will generally submit your name to several banks, when you sign the authorization with the dealer this gives the other banks authorization to also pull your report.

There is another level of Inquiry generally known as %26quot;Soft Inquiries%26quot;, these are done by companies that you currently have an account with those Pre-Screened applications. These do not need prior authorization