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07-02-2017 03:01 PM
07-02-2017 03:13 PM
umm.... pre-quals w/ LC or Prosper are SP's. you have to go out of your way to actually apply and get a HP.
just dispute it on the corresponding CR and say you didn't apply.
07-02-2017 04:10 PM
07-03-2017 08:17 AM
Just so that we're all on the same page. You were actually alerted of a hard pull via your monitoring service, or are you just assuming you received a HP based on the denial email you received? I too received the denial email without applying, but there was no hard pull. I recently also signed up for Credit Sesame, though I didn't look for a pre-qual on their site at all. Very disturbing whether it's a HP or not.
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