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Subject:  Re: Shotgunning a credit report Date:  8/22/2008  3:07 PM
Author:  Patzer Number:  277523 of 312185

the second dealer had pulled her report 25 times, dropping her credit score

Bull, bull, bull, after five times there is no further effect on FICO.

If you read the complaint in full, some of the allegations are for libel and fraud, claiming the dealer made material false representation of the plaintiff to the credit reporting agency. If these allegations are true, it would mean that the dealer did something a bit more sophisticated than simply pull the credit report 25 times.

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