Unauthorized Credit Inquiries - Hard Pulls
Jun 1, 2015 | 7:18 am
#1
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
Unauthorized Credit Inquiries - Hard Pulls
Maybe I can get guidance.
I am raging mad!
Barclay's Arrival just approved me for a credit increase of $4K. (without me asking for it)
But they pulled my credit! Not a soft credit, a hard credit.
Mad, Mad, Mad.
Not only will if affect my churn, but I am trying to buy a house.
A couple of weeks ago Paypal also just pulled my wife's credit.
Is there a recourse to reverse it?
Thanks, and sorry for the rant!
I am raging mad!
Barclay's Arrival just approved me for a credit increase of $4K. (without me asking for it)
But they pulled my credit! Not a soft credit, a hard credit.
Mad, Mad, Mad.
Not only will if affect my churn, but I am trying to buy a house.
A couple of weeks ago Paypal also just pulled my wife's credit.
Is there a recourse to reverse it?
Thanks, and sorry for the rant!
Last edited by ORD-TGU; Jun 3, 2015 at 6:49 am
Jun 1, 2015 | 7:28 am
#2
Moderator: The British Airways Club
Join Date: Nov 2010
Location: TPA/ABZ
Programs: British Airways Gold Guest List for Life
Posts: 14,253
Sorry I can't answer your question and do appreciate your frustration but it does make me think about a tongue-in-cheek reverse rant from a credit card company:
"This guy keeps churning our cards, it's so unfair and not what we intended. Is there anything we can do about it? Sorry for the rant."
"This guy keeps churning our cards, it's so unfair and not what we intended. Is there anything we can do about it? Sorry for the rant."
Jun 1, 2015 | 8:15 am
#4
Join Date: Aug 2014
Posts: 1,520
If you asked for a credit line increase it is standard that they hard pull. I'd expect it to take an act of Congress to increase your credit line without a hard pull. MS'ing is about the last thing you need to be doing when buying a house.
Last edited by DeltaNeutral28; Jun 1, 2015 at 8:16 am Reason: .
Jun 1, 2015 | 10:16 am
#5
Join Date: Sep 2011
Location: ORD/MDW
Programs: AA CK, FlyingBlue Plat, WN-CP | Hotels: IHG-Dia HH-Dia, Hyatt-Glob, Marriott-LtPlt
Posts: 2,897
Maybe I can get guidance.
I am raging mad!
Barclay's Arrival just approved me for a credit increase of $4K.
But they pulled my credit! Not a soft credit, a hard credit.
Mad, Mad, Mad.
Not only will if affect my churn, but I am trying to buy a house.
A couple of weeks ago Paypal also just pulled my wife's credit.
Is there a recourse to reverse it?
Thanks, and sorry for the rant!
I am raging mad!
Barclay's Arrival just approved me for a credit increase of $4K.
But they pulled my credit! Not a soft credit, a hard credit.
Mad, Mad, Mad.
Not only will if affect my churn, but I am trying to buy a house.
A couple of weeks ago Paypal also just pulled my wife's credit.
Is there a recourse to reverse it?
Thanks, and sorry for the rant!
Which Credit Card Companies Do A Hard Pull For A Credit Limit Increase?
Jun 1, 2015 | 10:59 am
#7
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,253
OP sought a CL increase and his credit was pulled. Not only does this affect credit score, but the mere fact of increased debt may cause problems for OP if he is seeking a mortgage.
Maybe the first thing a decent mortgage broker tells an applicant is not to take on new debt from the time the application is made and closing (absent a genuine need and with a clearcut written explanation, e.g., "we needed new furniture for the house and took on an extra $5K in debt. Attached is the receipt from the furniture store."
OP should be mad, mad, mad. At himself.
Maybe the first thing a decent mortgage broker tells an applicant is not to take on new debt from the time the application is made and closing (absent a genuine need and with a clearcut written explanation, e.g., "we needed new furniture for the house and took on an extra $5K in debt. Attached is the receipt from the furniture store."
OP should be mad, mad, mad. At himself.
Jun 1, 2015 | 12:54 pm
#8
Join Date: Jul 2001
Location: DTW
Programs: Dirt Status w/ All
Posts: 5,049
Did you request a CLI, or did the bank just grant it out of the blue. If you requested it it is valid as you did request additional credit, but you should have been informed that it would happen. If it was an online request there would have been a box to check to approve this.
If you did not request the CLI, are you sure it is really a hard pull? How are you checking? I have had a couple things pop up in notifications on Credit Karma or Sesame, but then they are gone when I look at the actual report. I think they either get confused about a soft pull and report it as hard, or refresh something old.
If you did not request the CLI, are you sure it is really a hard pull? How are you checking? I have had a couple things pop up in notifications on Credit Karma or Sesame, but then they are gone when I look at the actual report. I think they either get confused about a soft pull and report it as hard, or refresh something old.
Jun 1, 2015 | 1:08 pm
#9
Join Date: Apr 2011
Location: Naples, Florida
Programs: AA Lifetime Gold, Hyatt Platinum,Marriott Silver,Hilton Honors Gold
Posts: 629
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 1, 2015 | 7:20 pm
#12
Join Date: Oct 2010
Location: EWR, SLC, SGN
Posts: 1,113
Unauthorized Credit Inquiries - Hard Pulls
I don't think OP requested the CLI, for all you saying that he should have known. I've had my CL increased randomly too but didn't ask for it and didn't check if they did a hard pull.
Jun 1, 2015 | 9:09 pm
#14
Join Date: Jun 2012
Posts: 3,699
Barclay's Arrival just approved me for a credit increase of $4K.
But they pulled my credit!
But they pulled my credit!
it's well know that BoA, Chase and Barclays does hard pull for any sort of customer-requested CLI.
by definition, credit reports/scores reflect the credit worthiness and risk of a person.
If a person wants to get a higher credit limit, he wants to be re-evaluated on his credit worthiness... Does his potential risk change because of this behavior? (yes = hard pull. some companies think that soft pull is enough)
Jun 1, 2015 | 9:25 pm
#15
Join Date: Sep 2011
Location: ORD/MDW
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Posts: 2,897
Only OP knows and could answer though.