First USA, NA made two unauthorized credit inquiries for copies of my credit reports on Oct. 14, 2008 and Nov. 30, 2009. Trans Union said that these two unauthorzed inquiries reduced my vantage credit score down to 883 and they will be on my credit report for two years. My last credit score which I have was in 2007 and was 916. The Fed should put a stop to this practice of a company deliberately ruining a person's credit by making unauthorized requests for copies of their credit reports. L.H. McGrievy read full review »