I had an account with a local CU from 3 years ago. It was a joint account. Nobody applied for anything or did anything different there but there is an HP on my report from this year that I am hoping that I can dispute.
I want my name off the account. Do I take it off before or after the dispute?
After the dispute. But contact the CU asap, the other person on the joint account could have applied for credit jointly, so you both got a HP and the credit account would be in both your names.
I assume that the account is still active, and that you are still named as a party on the account?
If so, it is likely a coding error, in that the pull was likely an internal account review that, if properly coded, should have been soft per CRA policy.
I had a hard pull last year from a credit union when I wanted to open a checking account. Dumb thing is, I never openned the account because I could never get a hold of the service agent who was to set it up.
Hard pull for nothing at all. =(