Q: Credit application sign jointly, company refiled it seperately without our consent. Are they liable for anything?
We signed a contract with a window company. We filled out the credit application jointly (my husband and I). It was denied and the window company reapplied seperately to different companies to get us the financing. They did not check with us regarding this and it has now hit out credit report as two inquiries. What can we do? Is that illegal?
A:
Sorry to inform you but "hitting your credit rating twice" is not actionable at law because you cannot prove any damages. At best you can complain about the creditor to the credit reporting agency--who probably has a file on this same window company.
P.S. The credit application you and your husband signed may contain a (hidden) clause allowing the window company to shop around (on your behalf) for creditors willing to lend you the money; this sneaky practice usually ends up by some new creditor granting you credit at a significantly higher interest rate than the first one they tried.
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