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DansDeals Forum => Credit Cards => Topic started by: dealmaster on September 22, 2019, 07:21:14 AM

Title: credit checked w/o authorization
Post by: dealmaster on September 22, 2019, 07:21:14 AM
hi i recently requested a credit limt increase on my citi double cash. the site stated clearly that no credit report will be checked yet sure enough there was a credit pull by them on my credit report.can some one please guide me with the next step?
thanks in advance
Title: Re: credit checked w/o authorization
Post by: AJK on September 22, 2019, 07:55:09 AM
Hard or soft?
Title: Re: credit checked w/o authorization
Post by: Boruch Parnes on September 22, 2019, 08:31:59 AM
Hard or soft?
How would I know if its hard or soft?
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 22, 2019, 08:56:24 AM
Hard or soft?
discover credit sent me a mssg still dont know if that is hard or soft
Title: Re: credit checked w/o authorization
Post by: shmooz on September 22, 2019, 09:00:48 AM
How would I know if its hard or soft?

On your credit report the hard will be listed as an inquiry. The soft will be under ' the following have asked to see your report' or something like that. It's very clear.
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 22, 2019, 09:04:31 AM
On your credit report the hard will be listed as an inquiry. The soft will be under ' the following have asked to see your report' or something like that. It's very clear.
then it was a hard pull.
any guidance?
Title: Re: credit checked w/o authorization
Post by: SearchGuy on September 22, 2019, 09:05:10 AM
discover credit sent me a mssg still dont know if that is hard or soft
If they can see it itís hard
Title: Re: credit checked w/o authorization
Post by: mmgfarb on September 22, 2019, 09:05:32 AM
Hard or soft?
Was it not obvious?
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 22, 2019, 09:06:41 AM
Was it not obvious?
If they can see it itís hard
hard it is.
any pointers?
Title: Re: credit checked w/o authorization
Post by: SearchGuy on September 22, 2019, 09:07:48 AM
IIRC, with citi there is 2 types of increases, one is with a pull and one is without
Title: Re: credit checked w/o authorization
Post by: LoLo on September 22, 2019, 11:00:39 AM
https://www.doctorofcredit.com/credit-cards/which-credit-card-companies-do-a-hard-pull-for-a-credit-limit-increase/#Citi

Title: Re: credit checked w/o authorization
Post by: S209 on September 22, 2019, 08:56:31 PM
hi i recently requested a credit limt increase on my citi double cash. the site stated clearly that no credit report will be checked yet sure enough there was a credit pull by them on my credit report.can some one please guide me with the next step?
thanks in advance
Do you have a screenshot of their exact wording?
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 23, 2019, 08:10:43 AM
Do you have a screenshot of their exact wording?
i have a screenshot the wording is "We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly"
Title: Re: credit checked w/o authorization
Post by: theyankel on September 23, 2019, 10:03:30 AM
i have a screenshot the wording is "We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly"
firstly, you can call and ask to speak to credit dept and explain the matter. someone might be able to assist
you can also send them a letter/fax and state that the language clearly says they wont pull credit (if indeed that is what it says) and you need them to notify the bureau to remove
Title: Re: credit checked w/o authorization
Post by: CountValentine on September 23, 2019, 10:16:32 AM
hi i recently requested a credit limt increase on my citi double cash. the site stated clearly that no credit report will be checked yet sure enough there was a credit pull by them on my credit report.can some one please guide me with the next step?
thanks in advance
Why are you so concerned? Pulls are not really a big thing.
Title: Re: credit checked w/o authorization
Post by: mmgfarb on September 23, 2019, 01:09:37 PM
Why are you so concerned? Pulls are not really a big thing.
Except for citi 6/6 but they don't seem to count their own pulls so it shouldn't matter.
Title: Re: credit checked w/o authorization
Post by: CountValentine on September 23, 2019, 06:19:40 PM
Except for citi 6/6 but they don't seem to count their own pulls so it shouldn't matter.
That's not a hard rule and sometimes it is used as a smokescreen.
Title: Re: credit checked w/o authorization
Post by: mmgfarb on September 23, 2019, 08:51:54 PM
That's not a hard rule and sometimes it is used as a smokescreen.
Could be but it can definitely result in instant denial while being approved soon after falling under 6/6.
Title: Re: credit checked w/o authorization
Post by: CountValentine on September 23, 2019, 10:29:01 PM
Could be but it can definitely result in instant denial while being approved soon after falling under 6/6.
Recon can override it.
Title: Re: credit checked w/o authorization
Post by: LoLo on September 23, 2019, 11:46:12 PM
Trying to recon a BofA app in the past few weeks, and they keep on repeating the 'too many inquiries' line every time i call. Very annoying.

Real reason is likely that the guy has no BofA relationship, nothing on the report would really justify a denial.
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 24, 2019, 08:16:05 AM
Why are you so concerned? Pulls are not really a big thing.
why do you think so?
Title: Re: credit checked w/o authorization
Post by: CountValentine on September 24, 2019, 10:04:33 AM
why do you think so?
Doing massive amount of applications and not being denied because of them. Also having them being used as a BS excuse only to be approved on recon. People spend way to much time worrying about inquires instead using that time to improve their credit profile.
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 24, 2019, 10:19:43 AM
Doing massive amount of applications and not being denied because of them. Also having them being used as a BS excuse only to be approved on recon. People spend way to much time worrying about inquires instead using that time to improve their credit profile.
ok so how do you spend your time improving your credit?
Title: Re: credit checked w/o authorization
Post by: CountValentine on September 24, 2019, 10:25:05 AM
ok so how do you spend your time improving your credit?
I don't as I have a long credit profile and inquires mean nothing to it.
If you want advice on improving your credit profile go to the experts at CB (creditboards.com).
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 24, 2019, 10:34:04 AM
I don't as I have a long credit profile and inquires mean nothing to it.
If you want advice on improving your credit profile go to the experts at CB (creditboards.com).
b"h i dont need help uping my credit score as it is as high as possible for the amount of time i have credit.i am not as confident as you that the inq. dont mean anything therefor i would like to know how to have it removed
(ps i appreciate you (and everyone else) taking the time to respond(earnestly)
Title: Re: credit checked w/o authorization
Post by: CountValentine on September 24, 2019, 10:40:48 AM
b"h i dont need help uping my credit score as it is as high as possible for the amount of time i have credit.i am not as confident as you that the inq. dont mean anything therefor i would like to know how to have it removed
(ps i appreciate you (and everyone else) taking the time to respond(earnestly)
Write to Citi requesting them to provide a letter saying the inquire was made by mistake. Provide that letter to the CRA's.
You can also just dispute directly with the CRA's but that usually gets no where.
Title: Re: credit checked w/o authorization
Post by: dealmaster on September 24, 2019, 11:08:19 AM
Write to Citi requesting them to provide a letter saying the inquire was made by mistake. Provide that letter to the CRA's.
You can also just dispute directly with the CRA's but that usually gets no where.
thanks