Reply
Established Member
Posts: 25
Registered: ‎06-18-2009
0

Re: Alliant FYI

[ Edited ]

We may not want to hang up if a guy answersSmiley Wink. We just gotta make sure that guy is Nick. I saw in another thread Nick says one pull will do.

 

Nick for Prezident

Message Edited by johnnybear on 07-20-2009 08:33 AM
Regular Contributor
Posts: 124
Registered: ‎03-11-2008
0

Re: Alliant FYI

well.....all my dealings were with Nick and I got  2 Pulls....one for opening the account and one for the visa...sooo maybe it's based on how they feel that day((shrug))
Ride the wind for it will carry you...
Follow the stars for they will guide you..
Believe in your dreams..
For they are your hearts desires...
New Member
Posts: 2
Registered: ‎07-25-2007
0

Re: Alliant FYI

I received two pulls as well, with a promise to remove the inquiry associated with my membership and pre-approvals.

 

Still waiting to see if that will happen.

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Alliant FYI


MsAlisha wrote:

I received two pulls as well, with a promise to remove the inquiry associated with my membership and pre-approvals.

 

Still waiting to see if that will happen.


Without regard to what anybody might say this can be done and you should hold them to it.

Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

Re: Alliant FYI

[ Edited ]

MsAlisha wrote:

I received two pulls as well, with a promise to remove the inquiry associated with my membership and pre-approvals.

 

Still waiting to see if that will happen.


FYI - I've had several CCCs promise to remove inquiries.  Never happens.  My suggestion (which worked for me) is have whoever promised the removal to e-mail you their request for removal.  After receipt, you print the e-mail and send to CRA.  

Message Edited by illtakecreditforthat on 07-20-2009 12:04 PM
I want PATIENCE...and I want it NOW
New Contributor
Posts: 68
Registered: ‎09-19-2008
0

Re: Alliant FYI

Just speaking for myself here, but technically, I did not give Alliant permission to pull twice. I did not realize the credit card ap was doing another pull. I was under the impression at that time, that the ap would be based on my original inquiry. So, I plan to dispute the second one on my report and see can I get one off. It is fair to have one, but not fair to have two, especially when I did not realize it. And I am sure it was technically in the small print somewhere, so it really is my own fault for not reading more, but I honestly thought it was based on the first pull.
Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

Re: Alliant FYI


Smrtshppr43 wrote:
Just speaking for myself here, but technically, I did not give Alliant permission to pull twice. I did not realize the credit card ap was doing another pull. I was under the impression at that time, that the ap would be based on my original inquiry. So, I plan to dispute the second one on my report and see can I get one off. It is fair to have one, but not fair to have two, especially when I did not realize it. And I am sure it was technically in the small print somewhere, so it really is my own fault for not reading more, but I honestly thought it was based on the first pull.

I tried to have duplicate inquiry removed by EQ.  Their response was that they are merely reporting a creditor's inquiry into your report, and only that creditor can remove it.

 

I had the inquiry removed by getting an e-mail from the credit card company requesting removal, printing it, and sending it to Eq.  DO NOT RELY ON ALLIANT TO REMOVE THE INQUIRY.  IT WON'T HAPPEN.

I want PATIENCE...and I want it NOW
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Alliant FYI

[ Edited ]

Smrtshppr43 wrote:
Just speaking for myself here, but technically, I did not give Alliant permission to pull twice. I did not realize the credit card ap was doing another pull. I was under the impression at that time, that the ap would be based on my original inquiry. So, I plan to dispute the second one on my report and see can I get one off. It is fair to have one, but not fair to have two, especially when I did not realize it. And I am sure it was technically in the small print somewhere, so it really is my own fault for not reading more, but I honestly thought it was based on the first pull.

 

You will find trying to remove an inquiry by dispute to fall somewhere between unreliable and unfruitful. Legally INQ are required to be reported so that you will have some way of knowing who is poking into your credit files. Without reported INQ's anybody could be nosing in there any time and you would have no way of knowing, You would not want that. It was only after INQ's became part of your credit record that FICO (and possibly other scoring models) decided to incorporate their use into their models. You need to work with Alliant to get it removed. Tread gently.
Message Edited by creditwherecreditisdue on 07-20-2009 11:53 PM
Frequent Contributor
Posts: 372
Registered: ‎06-15-2007
0

Re: Alliant FYI


creditwherecreditisdue wrote:

MsAlisha wrote:

I received two pulls as well, with a promise to remove the inquiry associated with my membership and pre-approvals.

 

Still waiting to see if that will happen.


Without regard to what anybody might say this can be done and you should hold them to it.


 

+1
01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
Established Member
Posts: 25
Registered: ‎06-18-2009
0

Re: Alliant FYI

UPDATE!!!

 

I decided to go for the CC today. I found the nerve to say to the 1st person that answered the phone,"hi,I'm calling to apply for the plat rewards card,and per my conversation with a rep the other day(didn't want to name drop unless necessary,may get someone in trouble),my initial credit report from when I applied for membership would suffice". If you have to pull another bureau,I don't want to apply.

 

He said yes sir,that is correct.........Smiley Very Happy. As long as it has not been 30 days since you opened your membership I can use the previous report. If you hold just a moment. After what seemed like 2 hours,but actually was more like 3 mins,he said............ I can approve you for a $5000 rewards card right now if you like. I LIKE!!!  In case you are wondering,it was NOT Nick(LOL)

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.