Reply
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

Re: (1) Barclay card (2) Inquiries on same report but different dates?

call the exec office and see whats up? 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
Posts: 228
Registered: ‎07-30-2011
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?

Do you have that number by any chance :smileytongue: I would be forever grateful. There regular CS has been transferring me around with no avail. Thanks!
Garden Mode... kind of... sort of (•‿•)
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: (1) Barclay card (2) Inquiries on same report but different dates?

Seems like a lot of hastle for one card.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 795
Registered: ‎05-16-2012
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?


nenuco wrote:

So in my last app spree I applied for 6 cards. One of them was a Barclay card, they pulled TU on 10/5/12. I got approved instantly. This morning 10/8/12 I got a Credit Alert telling me that Barclay had done another hard inquiry on the same Transunion. What's up with this. I'm pretty pissed... can they do this? If so why would they pull the same report?



Household bank did the same thing to me back in January over a $300 limit card (I was furious...still am) They pulled 3 times on TU. I fought it for months with TU and Household. The only way to get TRansunion to remove is to provide them a statement from the creditor on their letterhead saying they can remove. Needless to say, Household would not provide me the letter and TU wouldn't remove without the letter. Unless Barclays has a heart and decides to remove...you are stuck with them.

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?


nenuco wrote:
Do you have that number by any chance :smileytongue: I would be forever grateful. There regular CS has been transferring me around with no avail. Thanks!

i dont have barclays but the backdoor thread lists these two numbers 

 

Barclays:             888-232-0780       (Customer Care)

Barclays:             866-408-4064       (Credit Analyst)

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
Posts: 228
Registered: ‎07-30-2011
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?

So I called the "executive" office... I was given different reasons behind the (3) inquiries. Basically they told me that (1) was done with the initial approval [perfectly fine] while the subsequent (2) were done automatically to see if I was "eligible" for a CLI. The Credit Analyst even had the audacity to say that it was done "for my own good". This is downright disgusting. To further the issue their website to create an account is still not working, and has no current time-frame of when it will be fixed. These are the typical "sub-prime" practices that rank Barclays and Capital One so much lower than their prime counterparts. A simple sorry, or we'll help you find a solution would have changed my perspective. If I would have known this, I would have stayed as far away as possible from them. CS for me is the most essential part of any lender-customer relationship, more than rewards or any other points. I understand that sub-prime lenders can't compete with prime lenders in many aspects but CS should always be a key component companies strive own, as this is their direct connection with the customer. So I will quietly spend my $1,000 to get $200 bonus, and then I will sock drawer them regardless of any future CLI or any other benefits they may throw at me. Of course my story is subjective and could be different to yours so take it with a grain of salt, that being said: AVOID THEM IF YOU CAN!

Garden Mode... kind of... sort of (•‿•)
Contributor
Posts: 228
Registered: ‎07-30-2011
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?

I just got off the phone with them :smileysad: Thanks so much anyways! I really do appreciate it :smileyhappy:

Garden Mode... kind of... sort of (•‿•)
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?

[ Edited ]

nenuco wrote:

I just got off the phone with them :smileysad: Thanks so much anyways! I really do appreciate it :smileyhappy:


I was not saying this was the exec office. as it said right after the number 

some cards listed in the backdoor thread do have exec office numbers. 

 

im sorry to here the outcome of this.

Hopefully you use the card and then do sd to use it once every three months. 

Despite what they did or did not do what's done is done. 

 it will be another reporting tl and will help you in the long run. inq are only effecting in the first year and fall off after the 2nd year. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
Posts: 228
Registered: ‎07-30-2011
0

Re: (1) Barclay card (3) Inquiries on same report but different dates?

lol What I meant to say was that I had already gotten off the phone with them by the time I saw your post. :smileyhappy: Good Advice, they will keep my sock company :smileytongue:

Garden Mode... kind of... sort of (•‿•)

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.