COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

[FixMyCredit1992]

I'm so mad, I don't even know what to do...

I logged into USAA credit monitoring and refreshed all 3 reports.

A few days ago, I could not get the online CLI button to work, nor the phone system.

So I called, and they said they "could not access my credit reports".

I even got a letter stating such.

So today...there is a brand new inquiry on Exp! 

I am livid! I obviously would not apply since I have one, and I DID NOT give them permission to pull my credit! 

I am in the garden, and now they just added another hard pull that I already have too many of.

[FixMyCredit1992]

Now I really AM MAD.

I called them, and even after talking to a supervisor, they said:

"We don't know how or why this happened, but if you call the bureau, they will glady remove it".

YA RIGHT!

Any bureau will tell you to contact the creditor.

[FixMyCredit1992]

Anyone?

This really burns...I went into the garden full cold turkey, and they just ruined it.

[keithB]

I have noticed that if someone is borderline, the credit agencey pulls more than one credit report.  

For instance, say you have a 780 EQ report, Citi Bank may be happy with just that.  However, if you have a 675 EQ report, Citi might just pull an Experian to double check.  I get plenty of douple pulls because my file is so thin - whereas someone with a think file might only get a single pull.

Comenity seems to act this way with HPs vs SPs.  I noticed some get SPs for cards like the Total Rewards and some get HPs - at least according to the threads.

I suggest you stop apping for credit.  I realize its harder than it sounds as I just recently stepped out of the Garden myself when I probably shouldn't have.  But it will help you in the long run.

[TatorTodd]

i understand the aggrevation, but this is something that can be easily fixed.  First, always expect a HARD, regardless of what company it is.  I've read recent posts about comenity doing HP's....so if you press the CLI, you have to expect it.  You need to send a copy of your credit report to comenity, noting the issue, and they will then update and change with the CRA's.

[FixMyCredit1992]

"I suggest you stop apping for credit."

I did?

I've had this card for 7 months.

[keithB]

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@FixMyCredit1992 wrote:

"I suggest you stop apping for credit."

I did?

I've had this card for 7 months.

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7 months you had this and they HP'd you?  Wow, sorry I misread your post - I'd be fuming too! 

[Creditaddict]

you can pull a report from experian.com/dispute for adverse actions and dispute the INQ as no permission on that.

[FixMyCredit1992]

Just got off the phone with a supervisor, they said all new CLI's are HPs...

Still, never told me that, never gave them permission.

[Creditaddict]

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@FixMyCredit1992 wrote:

Just got off the phone with a supervisor, they said all new CLI's are HPs...

Still, never told me that, never gave them permission.

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they are stupid... although if you go through the reps it does seem to be but automated and online are for sure not hp's!!