Bank did hard credit inquiry when they said it would be soft

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roflulz
 
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Bank did hard credit inquiry when they said it would be soft

Postby roflulz » Mon Aug 13, 2012 4:34 pm

I wanted to preface by saying I know the basics of hard pulls and soft pulls etc., but that I am also sometimes willing to believe in people.

TL;DR -> Chase did a hardpull when they told me there would only be a soft pull. Can I get that reversed?

Full Story ->

When my banker at my Chase branch(where my personal accounts are) offered a new business credit card when I just so happened to be hunting for a nice business card, I agreed to signing up for one. (Over the phone with him)

He explicitly told me that there would be no hard pull on my credit, but I suspected that there would be one, but checked with him to ensure that there would be none....

Obviously, after I got the card, I notice the hard pull.

Do I have any options? I know in the past when a home security company did a hard pull on me without my permission, they had to reverse it. Do I have the ability to keep this new credit card, but force Chase to remove the hard pull since they fraudulently told me there would be none?

Thanks!


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t528491
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Postby t528491 » Tue Aug 14, 2012 5:33 pm

I think that if they did the hard pull without your permission, you can send a letter to the credit reporting agencies and request they remove it. It might not be worth it for just one HP, however.
[size=80]
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08/12 Discover It ($1500)
08/12 American Express Zync (NPSL)
12/12 NFL Visa ($500)[/size]

[size=60]Future cards:
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DeadSpider
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Postby DeadSpider » Tue Aug 14, 2012 7:01 pm

When i called Chase last month they told me same thing soft pull for CLI but it wasn't.
You can't get a new credit card without a hard pull so even if they remove it they will most likely cancel the card.

Now i know that EVERY CLI from Chase is a HARD PULL.
You've got the card so hard pull wasn't wasted just keep it no big deal.
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014



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