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Valued Member
havlow
Posts: 27
Registered: ‎08-27-2007

Ugh!

My citi card magnetic strip has started to wear so I was wanting to get a replacement card.  I went under the tools and services screen and thought I hit the "order replacement card button" and instead apparently hit the "CLI request" button which is right above it.  Immediately I get a message saying that they couldn't approve me for a CLI (well yeah I'm in the process of raising my scores and my Util% is still too high) and then it said I would get some kind of letter explaining why I was denied.

 

My question is this:  Was this a hard pull?  I'm really going to be pissed that pressing a button without an option to submit information or the "are you sure you wanna do this page?" did a hard pull on my credit after I've been busting my ass trying to get my scores up :smileysad:

 

Does anyone know if I just screwed up?


Starting Score: EX: 658 TU: 646 EQ: 651
Current Score: EX: 658 TU: 646 EQ: 651
Goal Score: 700+

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Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Ugh!

Most likely is was only a soft pull.  But, if you want to know for sure, you'll have to pull your CR's to find out.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
score_building
Posts: 3,467
Registered: ‎01-10-2008

Re: Ugh!

PP is correct but it is almost certain they did not instant HP.  if you didn't fill out a form you should be fine.  again, you can double check your report to verify if you are concerned about it.

 

i did the same thing at citi's site and was so annoyed at myself.  i even called to see if they could retract the request, a long shot but i figured at the time that it couldn't hurt.  in any case it did not result in an HP.  ultimately nothing much came of it (besides a denial letter) remember inqs are one of the smallest pieces of the pie chart at 10% if i remember correctly. 

 

a single inq. is unlikely to cause problems and in this case imo you would have grounds to request goodwill removal if one appeared which i seriously doubt.  i think it is pushing the envelope somewhat to allow for a one click request to prompt a HP since it is not uncommon for even a good typist to have a stray click now and again.

 

 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (WALMART)

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