[biosurfer1]

I'm very frustrated with my realtor and a mortgage company I looked into several months back.

Back story:

My wife and I have been looking at houses for the last year, casually. Last July, we wanted to make a move on a house so I contacted a mortgage company my realtor recommended just to see how much I qualified for, etc. I had a hard pull at that time, which is fine.
The house did not work in the end and we continued the search. Hadn't really seen anything until a few days ago and a house came on the market that was probably too big and too much but we wanted to take a look which was fine with our realtor. We were to meet yesterday at 1.
At about 11am yesterday, I get a call from the mortgage company that my realtor had called them asking to pull our file from last July to see what we qualified for. This was NOT the same person I talked with last time and the person on the phone said he was on vacation. She proceeds to start asking me questions about my credit report at which point I stopped her and asked who gave them permission to look at my file, to which she said my realtor called.
I was upset at this point because we are in the very, very, very preliminary steps of buying and in no way at the point of applying for a mortgage.

The walk though went fine but its not the house for us. I was going to let everything go until this morning when I get notification that I had a hard credit pull yesterday. Now I am pissed...looking at a file is one thing, a hard credit pull that will stay on report for 2 years and will negatively effect the score is another. I got on the phone to my realtor who said he NEVER told them to pull credit and only asked to get the results of the last inquiry. I told him I didn't appreciate him doing that without my permission, but the credit pull is a bigger problem.

I know any company must get authorization before pulling credit, but does anyone know what the rules are on pulling someone credit report without authorization? I know I gave them permission last July but I wouldn't think that gives them permission forever? Does it?

I'm not lawyering up or anything, but I would like an explanation from the company on why they thought it was ok to do this.