Comentity / Barney's just hard pulled my Experian!

[JLK93]

The most recent CLIs on my Sportsman's Guide Visa and Fuel Rewards Mastercard were about 3 and a half weeks ago. Both were soft pulls.

[ddemari]

OP- I think it is very strange Barneys would pull another EX hard report on you. 

Are you sure you are looking at it correctly? Do you have an experian.com membership? I am just curious because I have one, and when Barneys soft pulls me, I get a notice that a lender is doing that. But its not a hard pull. 

[Anonymous]

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@Anonymous wrote:

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@beautifulblaquepearl wrote:
I think they are having a system issue. The same thing happened to my LB credit card. I called CS to verify that CLIs are still SPs and the rep confirmed with a resounding "Yes!"

Call CS and request HP be removed.

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When I first got my Sportsman's Guide Visa card, CS said that all CLI requests are HP going forward. Now I know that we are talking CS here (ha ha), but we will have to expect the possibility of a HP any time we ask for a CLI, on any card.

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I totally agree nor am I disputing what you were told. I can only comment or speak to my own experiences. Somehow that seems to keep being forgotten, but as I stated earlier to her/his own. If that is Comenity's policy going forward, then we will have to roll with the punches. My motto: Trust, but VERIFY. Maybe the CS rep and her manager I spoke to had NOT gotten the memo. I also went back to the site to verify the verbiage before calling just in case I had missed something. They submitted a request to have the HP removed for me. Thank you for sharing your experience! Knowledge is power!

[Anonymous]

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@kdm31091 wrote:

Maybe people will stop hitting the "luv button" every 5 minutes on their Comenity cards now...nobody needs 30k on a Barney's card!

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Yes they do. Did you forget about the positive effect of a large limit on utilization? I sure could use a $30,000 limit card now. And for their regular shoppers,  $30,000 is nothing.

[Anonymous]

Only if it is on the card or set of cards you actually use. 90% utilization will still report as such even if you are at 8% overall and will still hurt your score/reports as much. Education is a wonderful thing. 😉

[SunriseEarth]

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@kdm31091 wrote:
I dont see the HP being removed. It is not inaccurate or wrong. OP seeked credit which can involve a HP. Nowhere does my Comenity BJs site say "no report will be pulled" or anything. Point is the HP was permissible and OP asked for a CLI, so just because desired results arent achieved doesnt mean the HP can suddenly be removed.

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I also see no harm in requesting that it be removed (as opposed to expecting that it be removed).   As with any other GW request, "expect the worst; hope for the best"

[Anonymous]

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@SunriseEarth wrote:

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@kdm31091 wrote:
I dont see the HP being removed. It is not inaccurate or wrong. OP seeked credit which can involve a HP. Nowhere does my Comenity BJs site say "no report will be pulled" or anything. Point is the HP was permissible and OP asked for a CLI, so just because desired results arent achieved doesnt mean the HP can suddenly be removed.

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I also see no harm in requesting that it be removed (as opposed to expecting that it be removed).   As with any other GW request, "expect the worst; hope for the best"

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Right, just knowing that it is likely to be a futile effort. Nonetheless. Nothing ventured, Nothing gained!

[Anonymous]

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@Anonymous wrote:

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@beautifulblaquepearl wrote:
I think they are having a system issue. The same thing happened to my LB credit card. I called CS to verify that CLIs are still SPs and the rep confirmed with a resounding "Yes!"

Call CS and request HP be removed.

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When I first got my Sportsman's Guide Visa card, CS said that all CLI requests are HP going forward. Now I know that we are talking CS here (ha ha), but we will have to expect the possibility of a HP any time we ask for a CLI, on any card.

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I've done CLI requests multiple times on my Sportsman's, and so far there have been no hard pulls.

[Anonymous]

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@Anonymous wrote:
Only if it is on the card or set of cards you actually use. 90% utilization will still report as such even if you are at 8% overall and will still hurt your score/reports as much. Education is a wonderful thing. 😉

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No one said to run one card up to 90%. If you have overall utilization of let's say 12%, no derogs, and need to run one card up to 40%, and 2 to 30-33%, you still can maintain scores in the 700's. That is the importance of extra limits/padding.

[Anonymous]

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@Anonymous wrote:

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@kdm31091 wrote:

Maybe people will stop hitting the "luv button" every 5 minutes on their Comenity cards now...nobody needs 30k on a Barney's card!

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Yes they do. Did you forget about the positive effect of a large limit on utilization? I sure could use a $30,000 limit card now. And for their regular shoppers,  $30,000 is nothing.

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A $30K limit would drop my utilization from 2% to 1%. I'm pretty sure that would have no impact at all on my scores.