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Local CU did a HP.

Contributor

Local CU did a HP.

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?

BOA $500. Opened 5/16. Graduated but no auto CLI or PC. I won't click CLI button because they're a waste of a hard pull.
DiscoverIt $2350. Opened 3/17.
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3 REPLIES
Community Leader
Valued Contributor

Re: Local CU did a HP.

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.


Fico 08: 720/721/719 TU/EX/EQ
Message 2 of 4
Highlighted
Community Leader
Legendary Contributor

Re: Local CU did a HP.

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.

Message 3 of 4
Regular Contributor

Re: Local CU did a HP.

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.  =(


FICO - EQ5 710 03.30.18 - TU8 720 03.27.18 - EX8 692 04.14.18
- In the Garden since 03/12/18 -
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