Reply
Frequent Contributor
Posts: 270
Registered: ‎09-08-2007
0

Orchard - Pre-qualify - hard pull?

I read recently on this board how you could go to Orchard's web site and pre-qualify with a soft pull. So I went to the site, and sure enough, it said I could do it without a credit check. I want to get a mortgage, so I could not afford a check. I tried it and it said I qualified. I was just curious. Not sure of the date. Then on March 4 I got an email inviting me to get a card. I ignored it.

 

I am trying to clean up my reports and had mailed disputes to all 3 CRA's. Equifax, being the first, totally ignored what I had to say. Anyway, today I called them, and while talking to them and her telling me to get an Equifax report from Equifax, and no other 3rd party, I told her I had just pulled one from CreditCheckTotal today, and also on the 13th, when the dispute was first opened. I said I noticed that when the dispute opened it made my score fall 10 points (FAKO score), and that when it closed it went back up the 10 points. She declared that it was not caused because of the dispute in progress.

 

She said, what caused it was the hard pull on the 13 & 19 from Credit Keeper. I said that I had pulled my reports from CreditCheckTotal on those dates and they were soft pulls. She said, no, this is from Credit Keeper and there are two hard pulls. I said I had not applied anywhere.

 

Got to thinking about that and researched and found CreditKeeper is HSBC, which is also Orchard. I then remember the soft pulls a few weeks ago. So apparently they decided to later check up on me and pulled 2 hard pulls without my permission!  The report I pulled today does not show any new hard pulls, neither does it show soft pulls, it only shows your hard ones, and there were not any new ones.  What can I do if there is really hard pulls now, 2 weeks before mortgage loan? Has anyone had this happen after trying their prequalificaiton site and not accepting their offer to apply? I can't believe this happened. I first thought maybe it was my Best Buy account, but I am not late or behind, so there is no reason for them to do a hard pull on me. I owe $300 with CL of $500 and faithfully make more than minimum payment. What does everyone think about this?

4/25/11 FICO: EQ 761....EX 770.....TU 744
3/6/2011 FICO: EQ 710... EX 718... TU 710
09/09 FICO: EQ: 525
Moderator Emerita
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Orchard - Pre-qualify - hard pull?


StartinOver wrote:

Got to thinking about that and researched and found CreditKeeper is HSBC, which is also Orchard. I then remember the soft pulls a few weeks ago. So apparently they decided to later check up on me and pulled 2 hard pulls without my permission!  The report I pulled today does not show any new hard pulls, neither does it show soft pulls, it only shows your hard ones, and there were not any new ones.  What can I do if there is really hard pulls now, 2 weeks before mortgage loan? Has anyone had this happen after trying their prequalificaiton site and not accepting their offer to apply? I can't believe this happened. I first thought maybe it was my Best Buy account, but I am not late or behind, so there is no reason for them to do a hard pull on me. I owe $300 with CL of $500 and faithfully make more than minimum payment. What does everyone think about this?


I think you should take a deep, calming breath! :smileyhappy:

 

You pulled your reports, and there were no hard pulls, correct? I'd say you had nothing to worry about. CSRs, even ones that work for the CRAs are notoriously ignorant about credit. The one thing that she said that made sense was to pull the report directly from EQ, and not a 3rd party, just to be certain. But, I'd be willing to bet that you didn't get any hard pulls for that pre-qualify check.

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

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.