Just to clear up some information some are putting out there…No business can pull your credit without your consent (besides those CC companies that are doing checks to offer pre-approved cc, but those don’t count as inquires). If companies are doing that they are in violation of The Fair Credit Reporting Act and the FTC would be very interested in knowing what companies are doing that. They also open themselves up to lawsuits.
You don’t need a SSN to pull credit. A name and address works perfectly fine, or even just an address, or even just a name…