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Momto5girls

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Why are there several Hard Credit inquiries on my account when I haven't applied for any loans?
I applied for a refi last Jan, and the mortgage company did a hard credit inquiry. We decided to not go with them (got a better offer). The second company also did a hard credit inquiry. Both showed up on our credit. However, since then, I have had 5 hard credit inquiries that have shot down my credit score substantially. How is this happening?

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Possible Identity theft attempt?

Try to find out where those inquiries came from. If they were coming from a bank outside of your state of residence, there is a good possibility of identity theft.

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Follow up question

I also had a hard credit inquiry and haven't applied for any credit of any kind. How do I find out who PIONEER/7012 is, since they were the ones who performed the inquiry?

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I have one too

I also have an inquiry from pioneer 7012 and have not applied for any credit!! Going to file a challenge on this with transunion

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