Reactivating a dormant Macy's store card is a HP

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
3 posts
tschmelcher
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Reactivating a dormant Macy's store card is a HP

Postby tschmelcher » Sat Jul 05, 2014 1:39 pm

This is a warning to others. I had a dormant Macy's store card that I used to make a small purchase last December just to keep it open. Since it had been dormant for a while they had me talk to someone over the phone to verify my personal info. I specifically asked if they were going to do a hard pull of my credit history and they said no.

Today I requested my annual free Experian credit report. Lo and behold, it shows a hard pull from Macy's on that date. :(

My advice to others: if you have a Macy's store card that you don't really use and they say you have to phone their call center to use it again, then just close your account instead.


MemberSince99
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Postby MemberSince99 » Sun Jul 06, 2014 9:39 am

I would complain all the way up the ladder about that if I had to, if they told me they were not going to do an inquiry but did one anyway. Since they record their calls for "quality assurance purposes" they should be able to listen to that call and verify that they should not have done the inquiry. I'd take it as far up the chain in Macy's as a I had to. If that fails dispute it with the bureau and contact the CFPB to file a complaint.

tschmelcher
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Postby tschmelcher » Sun Jul 06, 2014 1:51 pm

If I had discovered it sooner I probably would, but it's now been over 6 months so the effect on my credit score is small. I'm not mad enough to spend the time and effort to correct it. :)



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