Credit Card Center Advertiser Disclosure

Reply
Valued Member
Posts: 36
Registered: ‎03-10-2017
0 Kudos

Credit Sesame caused me a HP

Have now deleted my account as I wasn't crazy about them anyway. I already have 2 outstanding loans so there would be no reason I would have applied for a Lending Club loan. Just received an email telling me my application was denied. Only possible way this happened was via Credit Sesame and their solicitations (MAYBE I inadvertently pressed the"apply" button somehow before x-ing out or while scrolling but no confirmation windows telling me that popped up). So now I am looking at another inquiry. Wonder what my chances are of writing and getting it deleted. Anyone ever experience this?
Starting Score: 638
Current Score: 654
Goal Score: 700


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008
0 Kudos

Re: Credit Sesame caused me a HP

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.

Established Contributor
Posts: 889
Registered: ‎06-02-2016
0 Kudos

Re: Credit Sesame caused me a HP

+1 on the dispute.

And You should make sure this isn't identity theft -- someone else applying for credit in your name.


EX 759, TU 764, EQ 741
|| NFCU CashRewards $16.5K || Discover IT $7.5K || NFCU Platinum $7.5K || Macy's $7.5K || CitiCostco $5.5K, Chase $5K || CitiDC $4.8K ||
Valued Member
Posts: 36
Registered: ‎03-10-2017
0 Kudos

Re: Credit Sesame caused me a HP

ok thank you Smiley Happy

Starting Score: 638
Current Score: 654
Goal Score: 700


Take the myFICO Fitness Challenge
Contributor
Posts: 108
Registered: ‎06-08-2017
0 Kudos

Re: Credit Sesame caused me a HP

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.  

Highlighted
New Member
Posts: 16
Registered: ‎06-27-2017
0 Kudos

Re: Credit Sesame caused me a HP

Credit Sesame SP came up as a HP as TU interactive once. I called TU and said they knew about the problem and it was removed about a week later.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.