http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204420#M95461 I have been working diligently to clean up DHs credit and so far, things are going very well. Thanks everyone! My question today is about my own 3 in 1 report I pulled from Chase ID. The bank where we have checking and savings (no loans) pulled a hard inq on me in Feb. Why would they do this? I have read here before that your bank can check your credit, but we don't even have a loan there. I guess I will go in and ask them what it's about. We want to apply for a mortgage this summer and I'm worried this inq will appear to be a loan application that got turned down. Any suggestions for me? Mon, 07 Apr 2008 22:15:16 GMT Bzzzymom 2008-04-07T22:15:16Z http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204420#M95461 I have been working diligently to clean up DHs credit and so far, things are going very well. Thanks everyone! My question today is about my own 3 in 1 report I pulled from Chase ID. The bank where we have checking and savings (no loans) pulled a hard inq on me in Feb. Why would they do this? I have read here before that your bank can check your credit, but we don't even have a loan there. I guess I will go in and ask them what it's about. We want to apply for a mortgage this summer and I'm worried this inq will appear to be a loan application that got turned down. Any suggestions for me? Mon, 07 Apr 2008 22:15:16 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204420#M95461 Bzzzymom 2008-04-07T22:15:16Z http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204508#M95501 <div>Did you open a checking or savings there in Feb.? That can trigger an inquiry.</div><div> </div><div>I wouldn't worry about an inquiry. People have posted a 20-30-40 inquiry count and don't have any problems.</div> Tue, 08 Apr 2008 00:03:49 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204508#M95501 llecs 2008-04-08T00:03:49Z http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204569#M95534 I've had both checking and savings there for at least five years. We didn't try to open a new account and didn't apply for credit. I know one inq shouldn't hurt too much, but still... and it's the principle of it, too. What the heck were they looking for? Tue, 08 Apr 2008 01:20:31 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204569#M95534 Bzzzymom 2008-04-08T01:20:31Z http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204600#M95552 <DIV>They had no right to pull it. Call them point it out and ask for a letter to back up your dispute. Maybe someone hit the hard button by mistake.</DIV> Tue, 08 Apr 2008 02:00:23 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204600#M95552 Brammy 2008-04-08T02:00:23Z http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204666#M95575 <div>my bank did that to me when i had to switch accounts from one state to another because they kept making mistakes on my deposits.  I had to fight to get it removed.  you are right. It's the principle.</div> Tue, 08 Apr 2008 02:58:00 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204666#M95575 casinoannie97 2008-04-08T02:58:00Z http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204874#M95649 <div><div><br><blockquote><div><hr>Bzzzymom wrote:<br>I've had both checking and savings there for at least five years. We didn't try to open a new account and didn't apply for credit. I know one inq shouldn't hurt too much, but still... and it's the principle of it, too. What the heck were they looking for?<br><hr></div></blockquote>Like Brammy said, I'd dispute that too.<br><div></div></div></div> Tue, 08 Apr 2008 13:25:59 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/My-bank-pulled-a-hard-inq-why/m-p/204874#M95649 llecs 2008-04-08T13:25:59Z