Originally Posted by
Dr_wanderlust
Inquiries really do not matter and your current creditors have permission to pull a hard or soft at anytime so I'm not sure what your beef with chase is about.
The type of small score changes you are fretting about are not statistically significant. What you are describing is normal variation as balances are reported from month to month.
1. There is a difference between hard pull and a soft pull. I stated Chase without permission from me performed a hard pull which resulted inquiry to 2 credit bureaus and resulted a negative credit score Performing hard pull is NOT normal for an established account.
2. Chase has admitted the mistake and has already removed the Experian inquiry with my score increase partially +3 points on Experiam web site who uses FICO.
Unfortunately they must remove this inquiry from all of my credit bureau accounts only then can a comparison be made of how much was reduced and how much is gained removing the inquiry.
Chase uses Vantage scoring tool which is different loss from an inquiry versus FICO or Experian. I have no access to Equifax so sadly I must trust Chase on this removal.