Hanna pulled credit, credit score up 14 points!

[getmeoutofhere]

This is sorta funny. Fred Hanna, the scumbag collection agency, put a hard inquiry on my wife's credit report. Her score went up 14 points! LOL.

So, here is my question. I don't know yet for sure, but I assume that Hanna purchased an old BofA CC. Is it legal for "Hanna" to pull credit?

[All Cash]

What makes you so sure it was solely the credit inquiry that raised your score 14 points?

[treehugger1]

It is possible that your old BoA account now shows a zero balance. Your total credit used versus your total credit may have improved. I noticed the same thing when BoA sold my account and BoA reported a balance of $0. Suddenly a $5+k unsecured line of credit showed paid! The JDB shows up as a collection in dispute, and I believe this is disregarded in the scoring. This shows how strange the entire credit-score idea can be. LOL

[getmeoutofhere]

ok

I have credit monitoring...it showed +14 and the only thing that changed on the CR was the inquirey.

I will be certain to DV them.