Risks of denying a hard pull

[Abelefko1]

Soo.., I see a hp on my Experian from a year back that I don’t remember applying for (cc) should I deny? It could be that I just forgot that I applied....any advice? Or threads that I can look up ?

[David Smith]

I wouldn't. The affect of a year old pull on your report is quite minimal, and it'll be disappearing in a year anyways. The downside of risking of a fraud alert on your report is worse.

[Abelefko1]

I wouldn't. The affect of a year old pull on your report is quite minimal, and it'll be disappearing in a year anyways. The downside of risking of a fraud alert on your report is worse.

Would you mind clarifying a little more ? What would happen if I get a fraud alert?

[Abelefko1]

Would you mind clarifying a little more ? What would happen if I get a fraud alert?

Scratch that. I called up chase and said it was a mistake made up some תירץ They said they will take it off and nothing will stay on my history… I hope so

[pixi]

Scratch that. I called them up and said it was a mistake made up some תירץ They said they will take it off and nothing will stay on my history… I hope so

You called  who?

[Abelefko1]

You called  who?

Sorry, chase bank