Reply
Frequent Contributor
Posts: 417
Registered: ‎02-04-2013
0

Re: Chase secure message - beware...

Yea it does qualify to get a free report cuz of fact Chase HP your EXP report or at least that was what quizzle told you.. Maybe you either answer the security questions wrong or EXP server's down...You should try tomorrow again.... And yeah its a good lesson to learn. I was planning to send a secured message requesting a CLI via SP when my chase freedom hits 6 months but now you've posted this.. I don't think i'm going to do it... Since here in Colorado they usually pull EXP for everything and my EXP report has a good amount of inquiries in the last 2 years..
Community Leader
Senior Contributor
Posts: 4,752
Registered: ‎11-13-2012
0

Re: Chase secure message - beware...

Would you call Chase?  After yesterdays Experian pull without my consent  and the promise to remove the HP from EX,  I just got  an alert from Equifax and yes Chase pulled my CR today again and  still without my consent !!! What the hell is Chase doing to me...do I need to expect a 3rd pull on TU tomorrow ? How  can I stop this nightmare?

Move the mouse over the cards for detailed view!
Last app 01/15/2015
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Chase secure message - beware...

Jeez. Maybe the other dept they sent it to for the conversion is pulling your cr.
Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
0

Re: Chase secure message - beware...

Whenever you seek credit be ready for HP. Asking for CLI is considered seeking credit. It is written on terms & condition that most people didn't bother to read. Just because AMEX does SP for CLI request doesn't mean Chase will follow it.

 

My advice, just leave it. You cannot expect customer representitive to know the difference between HP & SP. Most of them are just taking minimum wages; hence they received minimum training.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
Posts: 417
Registered: ‎02-04-2013
0

Re: Chase secure message - beware...


lg8302ch wrote:

Would you call Chase?  After yesterdays Experian pull without my consent  and the promise to remove the HP from EX,  I just got  an alert from Equifax and yes Chase pulled my CR today again and  still without my consent !!! What the hell is Chase doing to me...do I need to expect a 3rd pull on TU tomorrow ? How  can I stop this nightmare?


I'm so sorry this is happening to you... Yes you should definitilly call Chase and ask them what's the reason for them to pull your reports without your permission.... It seems weird to me they did that for just a CLI but yeah they can do that since you're seeking credit  but  they shouldn't HP your reports since you didn't authorized to them to do that... my uncle requested a CLI in December he indeed got a HP in EXP (He was aware of that) but they didn't double or tripe pull his reports just EXP

Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
0

Re: Chase secure message - beware...


mnavas wrote:

I'm so sorry this is happening to you... Yes you should definitilly call Chase and ask them what's the reason for them to pull your reports without your permission.... It seems weird to me they did that for just a CLI but yeah they can do that since you're seeking credit  but  they shouldn't HP your reports since you didn't authorized to them to do that... my uncle requested a CLI in December he indeed got a HP in EXP (He was aware of that) but they didn't double or tripe pull his reports just EXP


Actually no. Your terms and condition also states that Chase may pull your credit report. And by using the card, you agree to terms and condition. So Chase already has your consent.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
Posts: 417
Registered: ‎02-04-2013
0

Re: Chase secure message - beware...


trumpet-205 wrote:

mnavas wrote:

I'm so sorry this is happening to you... Yes you should definitilly call Chase and ask them what's the reason for them to pull your reports without your permission.... It seems weird to me they did that for just a CLI but yeah they can do that since you're seeking credit  but  they shouldn't HP your reports since you didn't authorized to them to do that... my uncle requested a CLI in December he indeed got a HP in EXP (He was aware of that) but they didn't double or tripe pull his reports just EXP


Actually no. Your terms and condition also states that Chase may pull your credit report. And by using the card, you agree to terms and condition. So Chase already has your consent.


Yeah but OP said he specifically told chase to not HP his/her reports through the secured message ... so it was chase obligation to warn OP- they wouldn't be able to grant a CLI increase without HP his/her reports....

Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Chase secure message - beware...


lg8302ch wrote:

Would you call Chase?  After yesterdays Experian pull without my consent  and the promise to remove the HP from EX,  I just got  an alert from Equifax and yes Chase pulled my CR today again and  still without my consent !!! What the hell is Chase doing to me...do I need to expect a 3rd pull on TU tomorrow ? How  can I stop this nightmare?


LOL! Only on MyFico does a pair of hard inquiries qualify as a "nightmare." Calm down. Call the executive line (U.S.-based) and explain the situation. This is not the end of the world.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Community Leader
Senior Contributor
Posts: 4,752
Registered: ‎11-13-2012
0

Re: Chase secure message - beware...

It even gets better. I called Chase and they said they only pulled Experian and will reverse. CL is already reversed from 4,5K to 4K. But today I got another alert for an Equifax pull and Chase claims they never pulled EQ?! Who could this be First USA in OH? To my opinion Chase!

 

 

 

This is the once Chase confirms to have done and that will be reversed. They did not read my message Smiley Sad

 

Experian.jpg

 

But here comes the very strange part. Equifax does show this HP from First USA and Chase denies it?

Equifax.jpg

Move the mouse over the cards for detailed view!
Last app 01/15/2015
Community Leader
Senior Contributor
Posts: 4,752
Registered: ‎11-13-2012
0

Re: Chase secure message - beware...


bribro wrote:

lg8302ch wrote:

Would you call Chase?  After yesterdays Experian pull without my consent  and the promise to remove the HP from EX,  I just got  an alert from Equifax and yes Chase pulled my CR today again and  still without my consent !!! What the hell is Chase doing to me...do I need to expect a 3rd pull on TU tomorrow ? How  can I stop this nightmare?


LOL! Only on MyFico does a pair of hard inquiries qualify as a "nightmare." Calm down. Call the executive line (U.S.-based) and explain the situation. This is not the end of the world.


It is for me. I just got a Barclays Arrival card and in December 12 I had a total of 2 cards with total of CL 8,5K!! Now 6 months later 8 cards with 58,5K and we all know how inquiry sensitive Barclays is. I love this card and I do not want any AA on this card for a lumpy CLI of 0,5K for Chase Smiley Sad   - I explicitely wrote that if they cannot offer a CLI of 1K from 4K to 5K with a SP then under no circumstance HP. This message was clear but they did not read it. They will now reverse the HP on EX but claim they never pulled EQ!  Wonder who the hell did this yesterday then if not Chase. 

Move the mouse over the cards for detailed view!
Last app 01/15/2015
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.