Author Topic: credit checked w/o authorization  (Read 1011 times)

Offline mmgfarb

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Re: credit checked w/o authorization
« Reply #15 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.
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Offline CountValentine

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Re: credit checked w/o authorization
« Reply #16 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.
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Offline mmgfarb

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Re: credit checked w/o authorization
« Reply #17 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.
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Offline CountValentine

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Re: credit checked w/o authorization
« Reply #18 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.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline LoLo

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Re: credit checked w/o authorization
« Reply #19 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.

Offline dealmaster

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Re: credit checked w/o authorization
« Reply #20 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?
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Offline CountValentine

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Re: credit checked w/o authorization
« Reply #21 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.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline dealmaster

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Re: credit checked w/o authorization
« Reply #22 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?
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Offline CountValentine

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Re: credit checked w/o authorization
« Reply #23 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).
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline dealmaster

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Re: credit checked w/o authorization
« Reply #24 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)
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Offline CountValentine

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Re: credit checked w/o authorization
« Reply #25 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.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline dealmaster

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Re: credit checked w/o authorization
« Reply #26 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
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