06-18-2013 06:49 PM
This is what I got from Discover.
We have reviewed your inquiry and found that based on our records, the information being reported to the Credit Bureau is accurate. If you disagree and feel additional investigation is necessary, please contact us at the address below:
Discover Financial Services
Credit Bureau Disputes
PO Box 15316
Wilmington, DE 19850-5316
Should I write them?
09-04-2014 03:16 PM
I'm bumping this.
I am noticing this happened to me. I have a pull on EQ and EX. UGHHHH. I didn't recon. I didn't ask for a limit.
09-05-2014 12:10 AM
09-05-2014 02:08 AM - edited 09-05-2014 02:10 AM
Pulling one from different bureaus is actually normal and extremely common. Cap1 pulls all three for new accounts from what I hear. I think OP got two on the same report which is definitely not something I've ever heard of unless there was a recon asked for.
Edit to explain the comment was supposed to be in reply to person two up, but for some reason I can't reply directly to someone
09-05-2014 09:50 AM
This happened quite a long time ago but it still bugs me so I think I should ask you guys.
Several months ago, I applied for a Discover IT. Eventually, they denied me, which is OK.
However, when I saw my credit report, I found two hard inquiries. One from "DISCOVER FINANCIAL SVCS" and one from "DISCOVER FINANCIAL SERVC". on the same day on my Transunion credit report.
Is this normal? Is it possible for me to ask Discover to remove one of them?
According to CK my DW got 2 HP from Discover the day she applied for the Discover IT student edition.
One from DISCOVER FINANCIAL SERVC, the other from DISCOVER FIN SERVICES (this from an old report), sometime in August, CK reported that 2 HP were removed and 2 HP added, and now in her report both HP show as DISCOVER BANK.
It will be great if they can remove one.
The apartment office pulled her EQ 3 times in 2 weeks. They said they had a hard time pulling her information (too new SSN almost empty credit history) and there is nothing they can do.
09-05-2014 10:38 AM
This happened to me when my secured Citi card's attached CD expired which triggered a review to be unsecured. My credit files had a very large but paid IRS lien. They pulled twice from the same CRA. My guess is that the first pull triggered another review because of the PR and so it got kicked up the ladder for a higher level call. They did unsecure me and kept the high CL (25k) so the inqs didn't bother me. I was more worried about whether they would drop the CL given the short, thin file with baddies I had.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.