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Frequent Contributor
Posts: 289
Registered: ‎11-23-2011
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Re: Denied for Amex BCE :-(

Well, as of yesterday the application has been "In Progress". 

 

Today, I got a Hard Inquiry on my report. I am a little annoyed because the CSR I spoke to said that if I sent in my updated Experian report, I would not recieve a hard inquiry. I sent in TWO reports! If I am denied again, I will be furious. I wouldn't have recon'd if I was going to get a hard pull. 



Scores: EX: 793 EQ: 804 TU: 801
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Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: Denied for Amex BCE :-(


ccb2115 wrote:

Well, as of yesterday the application has been "In Progress". 

 

Today, I got a Hard Inquiry on my report. I am a little annoyed because the CSR I spoke to said that if I sent in my updated Experian report, I would not recieve a hard inquiry. I sent in TWO reports! If I am denied again, I will be furious. I wouldn't have recon'd if I was going to get a hard pull. 


CSRs are notoriously misinformed about credit topics like inquiries, and also when and how their companies pull your reports.   A Recon with any creditor will almost always result in an additional hard pull of your credit.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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