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PC Richards Unauthorized Hard Pull Removal?

Valued Member

PC Richards Unauthorized Hard Pull Removal?

Hi everyone,

I have an issue and wanted to get advice from the pros here at myfico.

I just closed on a home and went to PC Richards for new appliances. My reason for going there is I already have a card from them so I wouldn't have to apply for new credit. The appliances were a little more money than I had on my card so the salesman asked if I wanted to apply for a CLI. After he told me it was a soft pull, I said yes. When he put me on the phone with the GEmoney CSR I asked her if it was just a soft pull and she said it was a hard pull. I told her I wanted to withdraw my app because I don't want a hard pull with a credit card I already have. She spoke to her supervisor who said it hadn't gone through yet because they were waiting on my phone number verification. I said great and walked out of the store.

I woke up this morning to an alert for a new inquiry from PC Richards on my credit report.

How do I get this removed?

Sorry for such a long post! I just wanted to give all of the details.

Thanks in advance.
Message 1 of 8
7 REPLIES
Established Contributor

Re: PC Richards Unauthorized Hard Pull Removal?

Good luck!

Quicksilver 51k | Lowe's $35k | Prestige $33.5k | Discover It $32.5k | SPG Business $30k | Hyatt $28k | SPG $25k | Ink Plus $22.5k | Ink Preferred $22k | Aviator Red $20k | SWACU $15k | Amex Platinum | Amex Platinum Business | J Crew $18k | Spark $16k | AAdvantage Business $13k | Freedom $11.5k | SPG Business $10k | Amex Blue Business Plus $9k | Amazon Store $5k
Message 2 of 8
Established Contributor

Re: PC Richards Unauthorized Hard Pull Removal?

It early, I read the title as hair removal ...lol
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 3 of 8
Valued Contributor

Re: PC Richards Unauthorized Hard Pull Removal?

I am almost sure, you won't be able to take it off. Even if you can, it may NOT be worth all the effort.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 4 of 8
Valued Contributor

Re: PC Richards Unauthorized Hard Pull Removal?


vish1 wrote:

I am almost sure, you won't be able to take it off. Even if you can, it may NOT be worth all the effort.


I agree with this. It was authorised when you asked for the increase the first time. Maybe it didn't go completely through, but the report was probably pulled right away.

Message 5 of 8
Moderator Emerita

Re: PC Richards Unauthorized Hard Pull Removal?

^1

You could call back and ask them to delete the inquiry. Or you can get the CLI since they have already pulled your CR
Message 6 of 8
Senior Contributor

Re: PC Richards Unauthorized Hard Pull Removal?


navigatethis12 wrote:

vish1 wrote:

I am almost sure, you won't be able to take it off. Even if you can, it may NOT be worth all the effort.


I agree with this. It was authorised when you asked for the increase the first time. Maybe it didn't go completely through, but the report was probably pulled right away.


+1

Message 7 of 8
Highlighted
Valued Member

Re: PC Richards Unauthorized Hard Pull Removal?

Thank you all very much for answering.
Message 8 of 8