I've been learning from this thread for awhile and run a stable repair business. I applied to O'reilly's about a week ago w/o including my ssn. I discovered today via an alert from Equifax that O'reilly pulled a personal credit report even though I didn't put my ssn on the application. How is this possible? I was 100% sure I didn't provide them with this as I scanned the app to my pc to send through online fax. I checked the app I sent (although I was sure I didn'tto see if I put my ssn and sure enough it wasn't there. So I'm just letting you guys know that they may be pulling you and you may not know it. I am can't for the life of me figure out how they obtained it.