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Hard Inquiry

New Contributor

Hard Inquiry

I got a hard inquiry after increasing my secured card limit. Is this normal?

Starting Score {July 30,2012}: TU 586 EQ 535 EX 583
Current Score: My Fico EQ 635 Walmart TU08 640 MyFico TU04 682 My Fico EX 628 (lender pull 09/12)
Road 2 Recovery: Patience - Persistence - Perseverance

Goal Score: 700+


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Message 1 of 7
6 REPLIES
Established Contributor

Re: Hard Inquiry

Depends on who the secured card is through. Some secured card providers do a HP.

Message 2 of 7
Moderator Emeritus

Re: Hard Inquiry

Need more information.  Did you get a HP from your secured card provider after you made the increase?  To my knowledge, this is not of the norm.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 7
New Contributor

Re: Hard Inquiry

The card is from bank of america, I got an alert today for the hard inquiry from yesterday. The same day I made the increase. called customer service and asked why. the rep said everytime we extend you credit, we have to hard pull your report. I told them you're not extending me credit, im increasing my own limit on a secured card. 


Starting Score {July 30,2012}: TU 586 EQ 535 EX 583
Current Score: My Fico EQ 635 Walmart TU08 640 MyFico TU04 682 My Fico EX 628 (lender pull 09/12)
Road 2 Recovery: Patience - Persistence - Perseverance

Goal Score: 700+


Take the FICO Fitness Challenge
Message 4 of 7
Highlighted
Established Contributor

Re: Hard Inquiry

BoA was the first one I thought of when you said a secured deposit required a hard pull.

Message 5 of 7
Valued Contributor

Re: Hard Inquiry

that's ridiculous...
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 6 of 7
Established Contributor

Re: Hard Inquiry

Remember not to get a BoA Secured card. Check.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 7 of 7