If someone does a credit check on you without approval,

There's something you're not including to this story

How did they get your social?

Right. I'm kind of curious what the other details of this situation are. Sounds like a possible identity theft danger, but we don't know practically any details either.

Regretting that payday loan huh?

It was a hard check. A dealership did it when I told them not to. I asked them to give me an appraisal on my vehicle and that was it. I had plans and left a dealership and asked them to call me with what the appraisal would be and they called and told me my appraisal and what car payments would be if I bought the car I was looking at. And I was wondering how they gave me exact numbers for how much the payment would be for 60 months and 72 months. So I just checked my credit and they did a hard hit. I told them before I left dealership, both the dealer and the manager, to not run a credit check unless I agree to buy the car. I wanted to know my appraisal before I decided to do anything. They both said they would not run my credit.
And also, they had me fill out a paper with my info just in case I would tell them over the phone that I would take the car. So they could do paperwork and have it done when I came back. They said they wouldn't put in any info unless I agreed to buy the car. And I told them, do NOT run a credit check and both of them said they wouldn't.

quote:

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Hard checks can not be done without your permission.

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wrong, if you have loans/credit cards with companies, they can do hard checks.

I am losing points because a company i have a loan with checks it every 3 months, they want me to borrow more money. I tell them no dice, but they check it, then call me back in 3 months asking if i want to borrow more cash at a better rate.

The Credit Score system is extremely flawed, which is why there is an investigation into their scores and rankings. Majority of their negative points have zero to do with credit, and nothing to look down on.

Ah. Well that stinks.

Dispute it with the three bureaus.

If you are shopping for cars then multiple hard pulls within a limited time frame won't tank your credit.

"Shopping around" is understood and you would probably get your credit pulled anyways so it isn't that big of a deal to have one extra inquiry assuming you buy a car relatively soon

That sounds pretty sketchy. I think that they have to be breaking some kind of terms.

They didn't say anything was a credit app. They took my info. I didn't write down my info.

3 bureaus I meant. Sorry, wrong terminology by me. Experian, Transunion, and Equifax. They're the ones that track this stuff.