I am gone for a few hours to my Pilates/Yoga class and find you 'inadvertently' out of the garden?!
Shaking my head!
NOT BY CHOICE THOUGH!!! IT WASNT MY FAULT...LOL. You gotta believe me! lol
My credit card company called me and told me they did a HP even though I didn't authorize it. I SPECIFICALLY said that I wanted to try to do a CLI through a SP because I DID NOT WANT IT TO SHOW ON MY CREDIT. And they did it anyways.
I am pretty sure they can HP anytime they want.
And I don't think they can. Not without your consent. As far as I know at least. I work for a bank, so I know its against regulations for us to even pull a customers CR without their authorization. Because thats running their social. Which is basically the same thing that happens with Identity Theft. (other people applying for things in your name)
Now you sound like my kids! 'Its not my fault, they made me do it!' Lol
hahahahaa....well they did!! lol. Except in this case, they didn't make me. They just did it without my knowledge.
The thing is...I sent an email. I didn't expect ANYTHING to be done without a response back. But instead, they responded back saying they already ran it.
THIS IS THE ORIGINAL MESSAGE I SENT
Your Original Message
Message ID: #8168385916I've been a customer for almost 5 years now. I've NEVER missed a payment. How can I request a Credit Limit Increase to where it WILL NOT be a hard pull on my credit so it won't show up on my credit report. Also, since i've paid on time and never missed a payment, is it possible to receive a lower interest rate as well?
Can't usually be successfully disputed.
Been down this road with Citi and even wrote to their resolution dept. Specifically said I didn't want an HP, blah blah blah..... The HP falls off next year, LOL!