Proper process of removing a "hard pull"

[SPOOGER]

I recently got denied for a few credit cards, upon reviewing my credit there where inaccuracies. I had those corrected. however the credit card companies have stated that they can only reconsider a denial within 90 days. I am now stuck with a few hard pulls on my report. Technically I authorized the pull, and the banks according to the report at the time denied me for good reason, do I have a legal argument that they remove the inquiry?

[yitzf]

I recently got denied for a few credit cards, upon reviewing my credit there where inaccuracies. I had those corrected. however the credit card companies have stated that they can only reconsider a denial within 90 days. I am now stuck with a few hard pulls on my report. Technically I authorized the pull, and the banks according to the report at the time denied me for good reason, do I have a legal argument that they remove the inquiry?

No

[MEIR613]

I recently got denied for a few credit cards, upon reviewing my credit there where inaccuracies. I had those corrected. however the credit card companies have stated that they can only reconsider a denial within 90 days. I am now stuck with a few hard pulls on my report. Technically I authorized the pull, and the banks according to the report at the time denied me for good reason, do I have a legal argument that they remove the inquiry?

What's your argument?

[dans fan]

I recently got denied for a few credit cards, upon reviewing my credit there where inaccuracies. I had those corrected. however the credit card companies have stated that they can only reconsider a denial within 90 days. I am now stuck with a few hard pulls on my report. Technically I authorized the pull, and the banks according to the report at the time denied me for good reason, do I have a legal argument that they remove the inquiry?

i cant think you have a legal argument, i would just try to argue that they were giving false info and there fore you had unnecessary pulls

[Shmulyg]

I recently got denied for a few credit cards, upon reviewing my credit there where inaccuracies. I had those corrected. however the credit card companies have stated that they can only reconsider a denial within 90 days. I am now stuck with a few hard pulls on my report. Technically I authorized the pull, and the banks according to the report at the time denied me for good reason, do I have a legal argument that they remove the inquiry?

How about trying to get those denials reversed?

[SPOOGER]

The argument might be, that they can only leave it on the report,  if they reconsider the application, now that they have received the correct report. i only allowed a credit pull with the notion that they would "seriously" consider me for a card and approve me if I have good credit. I do have good credit and I can prove that. However they never Stipulated During the application process that I only have 90 days to prove that the info was incorrect. Hence they lured me into a hard pull without letting me know that I would not get the card if I fail to prove the information was incorrect. If I am not mistaken that according to the fair credit act 1) I can contend the denial, and they by law must reconsider   2) if report was inaccurate, upon request the agencies must resend the modified report to anyone who has seen it in the last year, again leading to the idea that 90 days is a bank set time, that they failed to disclose

[SPOOGER]

How about trying to get those denials reversed?

at this point I don't want those cards anymore

[meshugener]

Where do you take those two laws from?

[Spiffster]

if you don't want the cards anymore, either call them the price of finding out your credit was damaged and you got it fixed or bump them off (depends on report).

if you decide you do want the cards, those pulls will hardly be cause for denial.

[ari2955]

"how to remove hard inquiries" http://pointsandpixiedust.com/?p=1589
what do u guys think about this?

[Saver2000]

"how to remove hard inquiries" http://pointsandpixiedust.com/?p=1589
what do u guys think about this?

As he writes in the article,  he wasn't the one that discovered *b.

And yes, AFAIK it (still) works.

[aryeh1]

As he writes in the article,  he wasn't the one that discovered *b.

And yes, AFAIK it (still) works.

Anyone actually ever experimented with this?  I don't want to be the guinea pig

[nutcase]

Anyone actually ever experimented with this?  I don't want to be the guinea pig

this is old news *b works. period. you need to follow all the steps for it to work. again THIS WILL NOT WORK FOR EXPERIAN.

[aryeh1]

this is old news *b works. period. you need to follow all the steps for it to work. again THIS WILL NOT WORK FOR EXPERIAN.

There is no cheaper way than $100?

[outsider]

this is old news *b works. period. you need to follow all the steps for it to work. again THIS WILL NOT WORK FOR EXPERIAN.

Why will this not work for experian? From the article it seems that if you were to find a way to pull your score 90 times in one month then it should bump it all off? Or does their system not work that way?

[meshugener]

EX stores soft pulls in a separate column, so it doesn't bump off hard pulls.

[SPOOGER]

Creditcards.com has custom cc offers based on ss number wonder if I can rack up soft pulls thru there

[yeshiva36]

I switched accounts at wells fargo (closed one and opened another at same time) and they pulled my credit, hard pull. I argued with the lady who did it but she said all banks do it, won;t hurt credit etc etc. Is there any way to get it removed since i wasnt told about it?

[nutcase]

I switched accounts at wells fargo (closed one and opened another at same time) and they pulled my credit, hard pull. I argued with the lady who did it but she said all banks do it, won;t hurt credit etc etc. Is there any way to get it removed since i wasnt told about it?

you can try to dispute it but they have a right to pull it. permissible purpose............

[CountValentine]

Creditcards.com has custom cc offers based on ss number wonder if I can rack up soft pulls thru there

You can but it will not count toward B*.