03-23-2009 09:36 AM
partner called into customer service because account was recently paid off. They said your account is eligible, just go into store and they will increase it.... went into store and they did increase it... $180!!!
Next day got the alert... HARD PULL!
Never would have done it if new it was hard pull. I think it should be law that banks ASK you, "this is going to be a hard pull, do you wish to continue"
03-23-2009 09:44 AM
The bad thing that I have experienced is that CSR's have no idea what a hard pull and a soft pull is. I work for a bank and some of the managers don't even know. I think these people need to spend a few days reading the MyFico message boards.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO