Unauthorized Credit Inquiries - Hard Pulls
Jun 1, 2015 | 9:59 pm
#16
Join Date: Oct 2010
Location: EWR, SLC, SGN
Posts: 1,113
If OP requested an increase, then yes, he should have known and we all should know. But Barclays moved my limit up unsolicited on my part whatsoever. I did not check to see if it was a hard pull, and I assumed it was not. I would also be surprised just like the OP if that "upgrade" was a hard pull, so that is why I am suggesting maybe OP didn't request it.
I could clearly be wrong. If he/she requested then there's not much debate. However, if unsolicited and resulted in a hard pull, that's more of a debate as to how to handle it.
Last edited by maverick17; Jun 1, 2015 at 10:21 pm
Jun 3, 2015 | 6:45 am
#17
Original Poster
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,953
Jun 3, 2015 | 6:51 am
#18
Original Poster
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,953
I did Not request a CL Increase, I just received a letter in the mail, then a couple of days later, an alert from Karma/Sesame. That is why I am mad. US BANK & CHASE have offered me in the past with CL increases, with me explicitly confirming it, and in both situations without hard pulls.
Anyways, I doubt I can get it removed at this point, but it makes me mad that they did this.
Anyways, I doubt I can get it removed at this point, but it makes me mad that they did this.
Jun 3, 2015 | 7:32 am
#19
Join Date: Apr 2011
Location: SMF
Programs: Hilton Diamond-Marriott Platinum-life
Posts: 1,015
Jun 3, 2015 | 7:36 am
#20
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,253
1. It is pretty routine for CC issuers to increase CL's without request.
2. It is pretty routine for CC issuers to do a pull on a random basis or in connection with a CL increase. If you read the t&c of your card you will see that you have authorized them to do this.
2. It is pretty routine for CC issuers to do a pull on a random basis or in connection with a CL increase. If you read the t&c of your card you will see that you have authorized them to do this.
Jun 3, 2015 | 7:44 am
#21
Moderator: The British Airways Club
Join Date: Nov 2010
Location: TPA/ABZ
Programs: British Airways Gold Guest List for Life
Posts: 14,253
Jun 3, 2015 | 9:29 am
#22
Join Date: Dec 2007
Location: MSP
Programs: Delta 1 MM, Platinum. Marriott-Hilton Gold
Posts: 313
How did paypal get your SSN number? I have a paypal account, but never gave them my bank details (to get "verified" what ever that means!) nor my SSN number. Even if I gave, it would not have made a difference. i keep all 3 of my credit files frozen.
Paypal has been doing a hard pull on people's credit (as they did mine) even though not applying for a credit card! Just to use their service to pay for online purchases via a credit card registered to them. I called to complain and they had me fax in all kinds of things! I let them know if their pull was not removed from my report I would file a complaint with the Consumer Financial Protection Bureau in Washington (Thank you Elizabeth Warren!)
Jun 3, 2015 | 10:05 am
#23
Join Date: Mar 2011
Programs: AA, UA, DL, AS, LH, BA, VS, HHonors, Hyatt, Club Carlson, IHG, Marriott
Posts: 833
I'm speaking from personal experience but when both of the above are done, they only do soft pulls.