HSBC

[toddbeck]

I have recently been going to the HSBC soft-site to gauge my credit via soft pulls every week or so...  I have had no issues -until Sunday....they hit me with a HARD inq????

What are my chances of A.) it falling off after a few days, B.) my dispute goign thru and it getting removed?

ANyone have experience with this?

Thanks!

[pizzadude]

They shouldn't hit you with a Hard inquiry if you just went to their pre~approval site.    You are positive that you didn't apply or partially fill in any information via an application ?

[scottwagnon]

there is NEVER a reason for a bank to hard you on a credit card UNLESS you are directly applying for it, or you requesting a credit limit increase. you may have inadvertently applied for a card or you are experiencing identity theft.

[CS800]

Where is the soft site?

[toddbeck]

Their soft form requires you to fill in alot of information... I never applied, and never saw a approved or denied screen.  Just the screen that shows terms.

I will also add that I think I just closed the browser, did hit cancel.

[toddbeck]

Also, here is the link I used.

Hsbc https://www.hsbcapply.com/start/hsbccreditcard/ja?​media=R5IS051AAX0802000150XXHHX

Found in another post on this forum.

[pizzadude]

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@toddbeck wrote:

Also, here is the link I used.

Hsbc https://www.hsbcapply.com/start/hsbccreditcard/ja?​media=R5IS051AAX0802000150XXHHX

Found in another post on this forum.

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This is a link is for their CC application, it is not a pre~approval website.   If this is what you filled out then I'm not suprised that they pulled your credit.

[toddbeck]

Has anyone had the dispute actually work?

Should I go ahead and redo the app and apply?  WIll that be another hard or count as the same one?

[pizzadude]

IMO you really don't have anything to dispute.   You initiated a business transaction with HSBC when you filled out the application, so they pulled your credit.

I don't know for certain but I'm guessing that they would pull your credit again if you applied again.

[toddbeck]

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Soft-Pull-Websites-quot-How-to-find-out-if-you-wil...

The link above is the MYFICO post where the 'Soft" link was obtained.... And the form that filled out looks identical to the orchard soft?  I have used it before with no Hard INQ.  Alo it states "no obligation". on that site.  (I realize that could mean a varity of things)

Well my days of soft pulls are over!