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Unauthorized Credit Check - Chase

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Hello folks -

I need some advice. My wife applied for the IHG Hotels credit-card with Chase last week. She did *not* ask for me to be added as an authorized user.

My wife's credit was pulled immediately. Additionally, 2 days ago, I got a notification from Experian that my credit was pulled (hard-query) by Chase. My wife and I are joint account holders on a checking account with Chase.

What's my recourse / plan of action? Can I dispute this with Chase / Experian?

Thanks!

-G

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I've SM'd Chase and received word back with an address to write a letter to. Wrote the letter and a few weeks later received notice that they'd be removing the HP. Was relatively very easy.

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Boa removed one fur me pretty easily too. Phone rep said no HP to reallocate credit and then there was one.

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Technically, as a current account holder they have standing permissable purpose to pull your credit whenever they want.

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Glitch99 said:   Technically, as a current account holder they have standing permissable purpose to pull your credit whenever they want.
  soft pull yes, but not a hard pull.

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AverageGuy09 said:   
Glitch99 said:   Technically, as a current account holder they have standing permissable purpose to pull your credit whenever they want.
  soft pull yes, but not a hard pull.

  There is no legal distinction between the two

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Glitch99 said:   AverageGuy09 said:   Glitch99 said:   Technically, as a current account holder they have standing permissable purpose to pull your credit whenever they want.soft pull yes, but not a hard pull.There is no legal distinction between the twoIn practice account reviews are soft pulls.

Someone needs to escalate this issue to a court of law to create the missing legal distinction!

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scripta said:   
Glitch99 said:   
AverageGuy09 said:   
Glitch99 said:   Technically, as a current account holder they have standing permissable purpose to pull your credit whenever they want.
soft pull yes, but not a hard pull.

There is no legal distinction between the two

In practice account reviews are soft pulls.

Someone needs to escalate this issue to a court of law to create the missing legal distinction!


I would argue there is a legal distinction, it's just not particularly clear how the distinction applies to permissible purpose. But, at the very least, at least one court in California has acknowledged that there may be a difference between soft and hard pulls with respect to the false pretenses provision.

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