Can you sue and is it worth suing someone for running your credit score without your permission?

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Can you sue and is it worth suing someone for running your credit score without your permission?

I am trying to buy my first house and know very little about the process. My realtor introduced me to a loan consultant through email. When he called he asked a couple questions which I answered. The next day I got an email from a credit monitoring system that I have a new hard inquiry. The day after that he sent me and my realtor an email that said I was pre-approved. I never mentioned actually running my credit or that he was allowed to do so. He never asked or said he would be doing so. Also, I am still going to need to be pre-approved but I don’t know if this is the correct time just yet. What are my options and what options are worth pursing?

Asked on December 8, 2018 under Real Estate Law, Indiana

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

No, you can't sue over this. The civil (i.e. not criminal) law system is designed not to punish wrongdoing but to provide compensation for quantifiable and provable losses or costs or injuries you suffer. There is no injury or loss you suffered from them running your credit score--you suffered no "damage" as the law would put it. When there are no damages, there is no lawsuit.


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