Can someone intentionally hurt your credit score?
I know that if someone does a "hard" view of your credit score, it will lower by a bit. So what is stopping a malicious person/organization from illegally viewing your score a thousand times just to hurt you? Can that happen?
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It costs money to pull credit information, and there's a record of who requested the info. And hard pulls are only a temporary, short-term ding on your score. Basically, if someone wants to make trouble, there are better ways to do so.
People can and do intentionally hurt other people's credit scores all the time.
This is why there are so many services to get your credit report checked, because it is very possibly that somebody did use your social security number to get a mortgage on a house or a car or open credit cards you didn't even know about, or even collections efforts you didn't know about.
It is possible that organizations hard pulled your account multiple times and paid for it.
The deterrents are inadequate and ultimately leave you with the messed up credit worthiness, regardless if civil or criminal charges were levied.
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