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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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HP INQ from USAA while I was out of country?

I just found, what appears to be a HP/INQ, from USAAFSBCC on 2/28.

 

I was out of the country?!  Is there anything I should/can do about this?

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: HP INQ from USAA while I was out of country?

Is it a soft inquiry or a hard inquiry?

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: HP INQ from USAA while I was out of country?

It's showing under my EQ file that list INQ that MAY be affecting my credit score.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: HP INQ from USAA while I was out of country?

Without seeing it, my uninformed guess is that it was a promotional inquiry, and if you pulled your actual report it would not be listed as hard inquiry

 

I had soooo many freakin inquiries on my report until I opted out of promo stuff.. all were soft tho..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: HP INQ from USAA while I was out of country?

[ Edited ]

http://img.photobucket.com/albums/v389/Brungo/Untitled-1.jpg

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

Re: HP INQ from USAA while I was out of country?

You should call. That looks like a hard pull and if you didn't app, ask for CLI or ask for a new product, you better make sure nobody else did while you were gone.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: HP INQ from USAA while I was out of country?

I don't have any CCs w/ USAA. Only checking/savings/Auto ins. policy.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: HP INQ from USAA while I was out of country?

On hold with them now.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: HP INQ from USAA while I was out of country?

Resolved.

 

I'm an idiot.  It was from 2/28/2011

 

Mods, feel free to kill this thread.  Sorry for the wasted banwidth.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
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