Author Topic: credit checked w/o authorization  (Read 834 times)

Offline dealmaster

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credit checked w/o authorization
« 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
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Offline AJK

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Re: credit checked w/o authorization
« Reply #1 on: September 22, 2019, 07:55:09 AM »
Hard or soft?
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Offline Boruch Parnes

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Re: credit checked w/o authorization
« Reply #2 on: September 22, 2019, 08:31:59 AM »
Hard or soft?
How would I know if its hard or soft?

Offline dealmaster

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Re: credit checked w/o authorization
« Reply #3 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
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Offline shmooz

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Re: credit checked w/o authorization
« Reply #4 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.

Offline dealmaster

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Re: credit checked w/o authorization
« Reply #5 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?
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Offline SearchGuy

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Re: credit checked w/o authorization
« Reply #6 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

Offline mmgfarb

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Re: credit checked w/o authorization
« Reply #7 on: September 22, 2019, 09:05:32 AM »
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Offline dealmaster

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Re: credit checked w/o authorization
« Reply #8 on: September 22, 2019, 09:06:41 AM »
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Offline SearchGuy

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Re: credit checked w/o authorization
« Reply #9 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

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Offline S209

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Re: credit checked w/o authorization
« Reply #11 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?
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Offline dealmaster

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Re: credit checked w/o authorization
« Reply #12 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"
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Offline theyankel

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Re: credit checked w/o authorization
« Reply #13 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

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Re: credit checked w/o authorization
« Reply #14 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.
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