First USA is a credit card company.
We pay to get online access to all 3 of the credit reports - as much as we want. We get an update every month.
We had the same problem a few years ago but with a different credit card company (CITI). They would check our credit report EVERY month. We did not initiate or approve their inquiries.
I called one of the credit reporting companies and finally figured out what was going on. The reporting company said the credit card was making "soft inquires" and were not "hard inquiries". The card company was checking on how good our credit was and then they would send us offers for a credit card - ever month.
The credit reporting company said the credit card companies can access your account for a "soft inquiry" any time they want IF they, or any one of their cards, or affiliate card companies, had financed something we purchased.
It can be stopped by notifying ALL 3 reporting companies (TransUnion, etc) to bar ANY "soft inquiries" about your credit.
The “hits” did stop.