03-24-2013 07:43 AM
3 year customer with Macys both store card and now American Express, first time requesting credit limit increase told them i wanted "soft pull" the lady said "i will let you know before we proceed" well i was given CLI on both cards but BAM was hard pull on Experian. Im happy but angry if that makes sense.
03-24-2013 07:49 AM
Yea sure it makes sense! I did the same process as you for a CLI for the store card and I told the CSR that if she had to do an HP to stop the process. I wound up getting the increase. However if I found out later that an HP showed up anyway I would be pissed! There is no excuse for someone in the credit department not knowing the difference between a soft and hard as well as not knowing how the system that their company uses works.
That's why I use the chat function whenever possible for my CC's so that I can have written proof. If I were you I would call back and speak with a high level manager to get that removed.
03-24-2013 08:00 AM
03-24-2013 10:34 AM
Anytime you call for a CLI assume you will be getting a hard pull and be pleasantly surprised when you don't. Front line CSR's rarely know the difference between a HP and SP. If you get a HP there isn't really anything you can do as they have the authority to do one regardless.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.