Reply
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Hard inq on TU from UMB

I am surprised to see a hard inq on my TU today. I had UMB card for last 3 months. Not sure why they pulled hard inq on my TU. Those of you with UMB Cards did UMB did a hard inq on your CR after having the card for few months?
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Hard inq on TU from UMB


concorduser wrote:
I am surprised to see a hard inq on my TU today. I had UMB card for last 3 months. Not sure why they pulled hard inq on my TU. Those of you with UMB Cards did UMB did a hard inq on your CR after having the card for few months?

 

Was this the first hard INQ or a second one? If it was the second I would be going through the roof and demanding a recode. Even a first hard after three months is pretty sketchy unless they gave you the card on spec and are just catching up with the paperwork.
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Hard inq on TU from UMB


creditwherecreditisdue wrote:
Was this the first hard INQ or a second one? If it was the second I would be going through the roof and demanding a recode. Even a first hard after three months is pretty sketchy unless they gave you the card on spec and are just catching up with the paperwork.

They pulled hard inq about 3 months ago when they approved the card. This is second hard inq. I am not sure what the reason is. I thought for normal account review they would do soft inq.

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Hard inq on TU from UMB


concorduser wrote:

creditwherecreditisdue wrote:
Was this the first hard INQ or a second one? If it was the second I would be going through the roof and demanding a recode. Even a first hard after three months is pretty sketchy unless they gave you the card on spec and are just catching up with the paperwork.

They pulled hard inq about 3 months ago when they approved the card. This is second hard inq. I am not sure what the reason is. I thought for normal account review they would do soft inq.


Has to be a miscode done by someone who does not know what they are doing. This needs to be pursued vigorously.

Contributor
Posts: 79
Registered: ‎01-29-2009
0

Re: Hard inq on TU from UMB

what is UMB? thank you
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.

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.