Credit Cards

[concorduser]

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?

[creditwherecreditisdue]

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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?

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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.

[concorduser]

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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.

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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.

[creditwherecreditisdue]

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concorduser wrote:

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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.

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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.

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

[TLx]

what is UMB? thank you