I am a citifinancial customer in good standing. When I would go in to make my payment I would ask the girl what other loans were available. Unbeknownst to me she ran my credit 5 times lowering my score for no reason. One time I specifically said "do not run my credit unless I am interested" and she still ran it. Very inconsiderate and illegal and damaging to my credit score. This was at the Saugus, CA office. It is not necessary to run a report on someone who is open with you and in good standing unless they say they want another loan (refi or heloc). To this day they insist they could not give me any in for such as a payment unless they ran a credit bureau. I know that not to be so. They could simply give figures and say that is assuming your credit score has not changed since we made you your current loan.
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