FlyerTalk Forums - Questions about credit inquiries (pulls)

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Quote:

Originally Posted by Jesperss (Post 21264228)

What does this have to do with a credit card? :confused:

Hard inquiries can impact your credit score and thus your ability to be approved for cards

I believe that Southwest promotion (500 points for giving your email address) was for Dish Network, not DirecTV.

Quote:

Originally Posted by istroke (Post 21263965)

Sorry if this is incorrect place for this thread.

So on 8/4/13, I got a hard inquiry from DirectTV. I don't remember signing up for DirectTV. Though there was one promotion to sign up for emails to receive Southwest sometimes last month?

Anybody else got a hit from DirectTV? Can I dispute this?

Thanks.

You might want to check with them to make sure no one has tried to open service under your info.

Just happened last week with me and t-mobile (someone tried to fraudulently open an account under my name) and they will be removing the hard pull from my report and fortunately suspended the account before I had a chance to call because they thought it was suspicious.

sorry I thought the DirecTV was the promo with the Southwest, but it was Dish.
And thanks for the advice. I will give them a call.

Mod can close & delete this thread to clear up this Credit Card section.

How many pulls do I have? Will they be merged on same date?

Quote:

Originally Posted by happy9zz (Post 21518051)

Yes

No. I understand that for credit score purposes, yes on mortgage/auto. INQs are not actually merged on the credit report however. INQs have coding, and they can tell what INQ is what. You can ask Chase to remove...but I doubt they will.

Quote:

Originally Posted by happy9zz (Post 21518051)

CitiBusiness AAdvantage Visa-------2/10/2013 Tran
US Airways ---------------- ------ 2/10/2013 Tran
Chase Ink Plus---------------------2/10/2013 Exp
Hawaiian Airlines BOA---------------2/10/2013 Exp
Hawaiian Airlines BOH---------------2/10/2013 Exp
United MileagePlus Explorer----------2/10/2013 Exp

Citi ThankYou Preferred-------------4/30/2013 Exp and Tran
United MileagePlus Explorer biz-------7/14/2013 Exp
Chase IHG Rewards Club Select-------7/14/2013 Exp
Citi Platinum Select/Aadvantage------7/14/2013 Exp and Tran
Citi Platinum Select/Aadvantage-------7/24/2013 Exp and Tran

In 2013, I have 9 pulls on Experian, and 5 pulls on Trans. Am I right or not? or
Just pull your reports and look and count them. That's the only way you know for sure. The two Chase on 2/10 might have resulted in two or one as sometimes one of them will be dropped as a possible duplicate.

Will all pulls on the same date be merged in 1 pull?
Nope. As the poster above refers to, it sounds like you are confusing how FICO treats credit card pulls vs. mortgage pulls. They are coded different. The idea of credit card hard inq is to record each time you seek credit card credit. Sometimes the bureaus will drop one because they may be considered duplicates.

I am confused
Yup
because I have some pulls on the same date which is on 02/10/13 and 07/14/13. If pulls on the same date, will it be merged?
If they look identical, same bank, same address, then maybe as possible duplicates.
For example on 02/10/13, so I have 1 pull on 02/10/13 for TransUnion, and 1 pull on 02/10/13 for Experian? Am I right or not?
Not right. Just pull your reports and you will see.

Quote:

Originally Posted by happy9zz (Post 21518051)

The only case where pulls are merged is if you have two "similar enough" pulls on the same bureau on the same day. A year ago, that was possible with two Citi AA cards applied for minutes apart, but since by July you couldn't apply for 2 on the same day, Citi AA pulls no longer ever merge.

The merging simply occurs when the bureau can't be sure whether your two pulls on the same day are accidental duplicates. That's why it only happens if the two apps you did are "very similar", to the point where the bureau can't tell them apart.

None of the cards you applied for on those two days look "similar enough" to be possibly mistaken for a duplicate, given that the only cases you had of same bank pulling on the same day were Chase, but you were mixing completely different cards (one personal and one business) on the same day.

Moderator action

A dozen short threads posing questions about credit inquiries has been consolidated.