I contacted Discover for a lower APR. I specifically asked the CSR if they would do a hard pull if I asked for a lower APR. She said they would not. I explained to her that I paid off my balance every month, and if this was going involve a hard pull, then I did not wish to proceed. She ensured me that it would not and processed to check for me. She told me that I able to get a lower APR and advised me to call back from time to time to check for their promotional rate.
Just now, I received a secure message from Discover. A letter explains that my request for lower APR was declined and I can obtain a free copy of credit report.
She hard pulled my credit report without my permission.
What should I do? What can I do? 
Thank you!
I don't think you can do anything.
Seriously.
@Anonymous wrote:I contacted Discover for a lower APR. I specifically asked the CSR if they would do a hard pull if I asked for a lower APR. She said they would not. I explained to her that I paid off my balance every month, and if this was going involve a hard pull, then I did not wish to proceed. She ensured me that it would not and processed to check for me. She told me that I able to get a lower APR and advised me to call back from time to time to check for their promotional rate.
Just now, I received a secure message from Discover. A letter explains that my request for lower APR was declined and I can obtain a free copy of credit report.
She hard pulled my credit report without my permission.
What should I do? What can I do?
Thank you!
are you sure they did a HP?
if you just got the alert for your discover account of a letter and it says you can get a feww copy of your credit report that doesn't mean they for sure pulled a hp, they could use what is on file like Sync does.
APR should not involve a credit pull and never has for me in the past.
@Creditaddict wrote:
@Anonymous wrote:I contacted Discover for a lower APR. I specifically asked the CSR if they would do a hard pull if I asked for a lower APR. She said they would not. I explained to her that I paid off my balance every month, and if this was going involve a hard pull, then I did not wish to proceed. She ensured me that it would not and processed to check for me. She told me that I able to get a lower APR and advised me to call back from time to time to check for their promotional rate.
Just now, I received a secure message from Discover. A letter explains that my request for lower APR was declined and I can obtain a free copy of credit report.
She hard pulled my credit report without my permission.
What should I do? What can I do?
Thank you!
are you sure they did a HP?
if you just got the alert for your discover account of a letter and it says you can get a feww copy of your credit report that doesn't mean they for sure pulled a hp, they could use what is on file like Sync does.
APR should not involve a credit pull and never has for me in the past.
^^^this
@Creditaddict wrote:
@Anonymous wrote:I contacted Discover for a lower APR. I specifically asked the CSR if they would do a hard pull if I asked for a lower APR. She said they would not. I explained to her that I paid off my balance every month, and if this was going involve a hard pull, then I did not wish to proceed. She ensured me that it would not and processed to check for me. She told me that I able to get a lower APR and advised me to call back from time to time to check for their promotional rate.
Just now, I received a secure message from Discover. A letter explains that my request for lower APR was declined and I can obtain a free copy of credit report.
She hard pulled my credit report without my permission.
What should I do? What can I do?
Thank you!
are you sure they did a HP?
if you just got the alert for your discover account of a letter and it says you can get a feww copy of your credit report that doesn't mean they for sure pulled a hp, they could use what is on file like Sync does.
APR should not involve a credit pull and never has for me in the past.
No, I'm not sure. I will call to find out tomorrow.
Thank you.
@09Lexie wrote:
@Creditaddict wrote:
@Anonymous wrote:I contacted Discover for a lower APR. I specifically asked the CSR if they would do a hard pull if I asked for a lower APR. She said they would not. I explained to her that I paid off my balance every month, and if this was going involve a hard pull, then I did not wish to proceed. She ensured me that it would not and processed to check for me. She told me that I able to get a lower APR and advised me to call back from time to time to check for their promotional rate.
Just now, I received a secure message from Discover. A letter explains that my request for lower APR was declined and I can obtain a free copy of credit report.
She hard pulled my credit report without my permission.
What should I do? What can I do?
Thank you!
are you sure they did a HP?
if you just got the alert for your discover account of a letter and it says you can get a feww copy of your credit report that doesn't mean they for sure pulled a hp, they could use what is on file like Sync does.
APR should not involve a credit pull and never has for me in the past.
^^^this
I certainly hope so
Thank you!