Re: Orchard Bank Has Resumed Customer Initiated CLIs...Yay
05-31-2011 07:36 AM
Ok so I went ahead and called and got offshore call center. Rep said def able to put in request just would need an updated copy of credit report. Asked if would be a hard or soft pull, said she didn't know. Asked her to find out and she puts me on hold only to come back and say that she isn't a credit analyst but in her OPINION it would only be a hard pull if I was applying ro a mortgage or car loan or something like that. I told her I appreciate her OPINION but I would like to know for SURE before I agree so could she call a credit analyst and find out. Placed on hold and she came back and said it would be a hard pull. Told her no thanks then. Not worth an inq for a measly $100 or $200!
I might call a backdoor number to be sure that her info was correct though....
WM TransUnion- 686 (4/2013) Credit Sesame Experian- 705 (4/2013) Credit Karma TransUnion- 648 (4/2013) Privacy Matters Experian- 691 (5/2013)
Amex Zync/UNICORN- NPSL/Capital One Rewards Mastercard -$4,000/Capital One Rewards Visa- $3,000/Wal-Mart Discover- $4,200/Bill Me Later- $2,200/JCP- $3,800/Discover IT- $500/Care Credit -$500/Old Navy- $800/New York & Company - $500/Orchard Bank -$300
GOALS: Trim the fat, pay down, and no apps until at least 12/20/13 Last HP: 11/23/2012