Credit Card Forum
  1. #1
    stefunny21
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    Default Can Chase remove a hard credit inquiry?

    Hello everyone,

    I recently applied for Chase Slate and was approved. However when I checked my credit report I noticed they made two hard pulls instead of just 1. I went to my local Chase branch and discussed the issue with them. They stated they would be able to remove one of the inquiries like it never happened. I did not know this was even possible. Is this something banks can actually do or were they just saying that to get me to leave LOL? Has anyone had a similar experience. thanks!
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    Reply With Quote Reply With Quote     Dec 21, 11, 7:45 pm
  2. #2
    CC Deville
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    Banks can, under certain circumstances, have the inquiries removed. Always, always get names and OP ID's when talking with customer service to ensure that things are done the way they are supposed to be.

    Why Slate? That is one of the most worthless credit cards out there. And it is ugly. You should have gone with a Freedom.
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    Reply With Quote Reply With Quote     Dec 22, 11, 7:41 pm
  3. #3
    FutureBillionaire
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    What Bureau do they pull from?
    Cards
    Visa: BofA Cash rewards Visa Signature (1% on everything)
    Kroger 123 Rewards Visa, Ascend FCU Platinum Visa (1% back), Penfed Platinum Cash Rewards Visa (5% on Gas)
    BofA Cash Reward Platinum Plus (1% on everything, 2%on groceries, 3% on gas), Penfed Platinum Rewards Visa ( 5 points on gas, 3 points on groceries, 1 point on everything else)


    Discover: Discover More (5% back rotating categories), Discover Miles (2% on travel and restaurants, double miles on phone, internet, and tv

    Amex: Gold Card, BofA Accelerated Cash Rewards (1.5% on everything)

    Express Store card (points for gift certificates and special deals)
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    Reply With Quote Reply With Quote     Jan 20, 12, 9:44 am
  4. #4
    PlatinumAMEX94
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    Quote Originally Posted by stefunny21 View Post
    Hello everyone,

    I recently applied for Chase Slate and was approved. However when I checked my credit report I noticed they made two hard pulls instead of just 1. I went to my local Chase branch and discussed the issue with them. They stated they would be able to remove one of the inquiries like it never happened. I did not know this was even possible. Is this something banks can actually do or were they just saying that to get me to leave LOL? Has anyone had a similar experience. thanks!
    If you have a long standing relationship with the bank, you can write them (postal mail) asking them to remove it in good will/faith, if you explain you are trying to clean up your credit. They can also remove 30 days past due. Doesn't happen very often, but in certain circumstances they will.
    Cards Used:
    American Express Platinum Personal, Member since 94
    Chase United Explorer - Visa Signature
    American Express Business Simply Cash

    Cards Acquired:
    American Express Blue, American Express Platinum Business
    Bank of America 10k, Capital One 7.5k, Fidelity Visa Signature 10k
    Citibank Platinum Select ThankYou MasterCard - Card Member since 91, 25k
    Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
    USAA World MasterCard 10k, Chase Slate Exclusives Visa 5k


    Macys, Nordstroms, Neiman Marcus, Best Buy 5.3k, Kohls

    Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+
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    Reply With Quote Reply With Quote     Jan 20, 12, 11:37 am
  5. #5
    CC Deville
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    Quote Originally Posted by FutureBillionaire View Post
    What Bureau do they pull from?
    Generally Experian.
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    Reply With Quote Reply With Quote     Jan 20, 12, 2:36 pm
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