My question involves a credit report problem in the State of: Virginia
My husband and I went to a local car dealer on 4/14/09 to see about possibly trading in our car for another vehicle. They did not want to give us what we wanted for a trade-in value for our car so we left. The only paper that was filled out while were there was a paper concerning information about our trade-in which we signed.
On 4/16/09 the car salesman called my husband to tell him he had another vehicle we might be intered in so my husband went to the dealership alone. He was told they could work out a "good deal" with our trade-in. The dealership had my husband sign a loan application and asked him about information about my employment and how much I make and my social security number. My husband did not know how much I make or my social security number so he told the dealership he would get back to them with that information. My husband came home and told me about the "good deal" and I immediately said "no way". So my husband did not call back with my information they needed for the loan application. End of story, neither of us have been back to the dealership since then.
Today (4/19/09) I decided to check my credit report because I am thinking about just refinancing the car that we have now. Anyway, I have 6 hard inquiries on my TransUnion credit report on 4/16/2009 all from this car dealership to several local banks and credit unions.
I have not even been to the dealership since 4/14/2009, I did not sign any loan applications nor provide them information for that purpose. Here are my questions
1. How can they pull my credit report without my permission?
2. How can they even apply for a loan for me without my permission?
3. Is any of this legal?
4. If it isn't legal, what is my recourse?
(sorry for so many questions)