Hard credit inquiry without consent
For example, see Personal Information Protection and Electronic Documents Act at http://laws-lois.justice.gc.ca/eng/acts ... lText.html
Here is a story about a man who successfully sued Bell for performing unauthorized credit check: http://www.cbc.ca/news/canada/nova-scot ... -1.2489793
Legal docs can be found here: http://www.canlii.org/en/ca/fct/doc/201 ... c1103.html
I’ve just checked my Equifax report via Borrowell, and there is an entry there from TDCT (=TD Canada Trust) that I do not recognize (February 2018). It is under "Local Inquires" that only include “hard inquiries”.
I will order a report directly from Equifax just to make sure that Borrowell did not screw up something, and will then try to figure out why this inquiry was made (I suppose there is always a non-zero chance that I am forgetting something that happened a few months ago.. especially with my credit card churning activities ).
The last time I applied for a credit card from TD (Aeroplan Visa Infinite) was in May 2017. Obviously, I gave my consent to pull my credit info then (and a hard inquiry in May 2017 is listed on my report). I then switched this card to TD First Class in November 2017, and there wasn’t supposed to be any hard pulls because it was a product switch (and there are no pulls from TD around that time).
I take my credit score rather seriously, but this is not my main concern here. I am more concerned about somebody pulling my file without my authorization. Could it be a "friend" who works at a TD bank, who just wanted to know more about my finances or something? At the moment, it seems to be the most likely explanation…
If anybody has anything of value to say, please do!
Edit: I am an idiot! I was buying a vacation package using my TDFC MC, and the total was more than my credit limit at that time.. so I called them and requested a credit limit increase.. and, of course, it resulted in a hard pull!.. and I totally forgot about it (was just thinking about new credit card applications).. So, everything is good.. and they had my consent for that pull!