I got a copy of my credit report.
I found out that about a year earlier, a collection agency in another state where I have never been made a soft inquiry that was only visible to me. Then about 10 months after that, the same collection agency made a hard inquiry on my credit report that was visible to everyone and the credit report states that it will remain on my credit report for 3 years.
How do California Law and the Federal Law regulates inquiries on credit reports?
Is a collection agency making a hard inquiry their venue to put negative information on my credit report or do they have other ways to put negative information on my credit report?
Why would a collection agency make a soft inquiry then 10 months later make a hard inquiry?