I am not sure I follow your question, but I'll give it a shot. If your credit score was decreased by something the bank did, I am presuming you mean they accessed your credit report (creating an inquiry on your credit report) without a proper reason to do so. If this is what you mean, it may be an impermissible purposed in violated of a federal law called the Fair Credit Reporting Act (the FCRA). Here is a link to information regarding what constitutes a permissible purpose http://www.law.cornell.edu/uscode/text/15/1681b
If you believe the bank may have pulled your credit report without a permissible purpose, you should consult an experienced advocate in your area. Go to www.naca.net, which has an attorney locator feature to put you in touch with a seasoned attorney.
All the best to you.
NOTE: This Answer does not constitute legal advice. Every case is fact specific. To render a legal opinion, an attorney must engage in a consultation with a prospective client and review any pertinent documents. This communication does not create an attorney-client relationship with Attorney Amy L. Wells or WELLS LAW OFFICE, INC.
My colleague is correct. From the sounds of it, there may be a violation of the FCRA. As stated, see naca.net for a consumer protection attorney in your area that may be able to help. Many such attorneys, like myself, offer free consultations.
Adam W. Klotz
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