General Credit Topics

[Bzzzymom]

I have been working diligently to clean up DHs credit and so far, things are going very well. Thanks everyone! My question today is about my own 3 in 1 report I pulled from Chase ID. The bank where we have checking and savings (no loans) pulled a hard inq on me in Feb. Why would they do this? I have read here before that your bank can check your credit, but we don't even have a loan there. I guess I will go in and ask them what it's about. We want to apply for a mortgage this summer and I'm worried this inq will appear to be a loan application that got turned down. Any suggestions for me?

[llecs]

Did you open a checking or savings there in Feb.? That can trigger an inquiry.

I wouldn't worry about an inquiry. People have posted a 20-30-40 inquiry count and don't have any problems.

[Bzzzymom]

I've had both checking and savings there for at least five years. We didn't try to open a new account and didn't apply for credit. I know one inq shouldn't hurt too much, but still... and it's the principle of it, too. What the heck were they looking for?

[Brammy]

They had no right to pull it. Call them point it out and ask for a letter to back up your dispute. Maybe someone hit the hard button by mistake.

[casinoannie97]

my bank did that to me when i had to switch accounts from one state to another because they kept making mistakes on my deposits.  I had to fight to get it removed.  you are right. It's the principle.

[llecs]

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Bzzzymom wrote:
I've had both checking and savings there for at least five years. We didn't try to open a new account and didn't apply for credit. I know one inq shouldn't hurt too much, but still... and it's the principle of it, too. What the heck were they looking for?

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Like Brammy said, I'd dispute that too.