topic Re: Gander Mountain Inquiry in Credit Card Applications

Gander Mountain Inquiry

Anonymous — Mon, 24 Nov 2014 22:15:35 GMT

Newbie here - I applied for a Gander Mountain MC online on Sat 11/22. No instant approval received email that I would get response as to whether approved or denied in mail within 7-10 days. Ended up in Gander Mountain on Sun 11/23. When I went to check out they asked me if I wanted to apply. I told the cashier I already had and was waiting on a response via mail (showed her this email on my phone). She said she could call and see if I was approved. I agreed. She spoke with lady and they had no record of me applying . I spoke with the lady she said same thing to me. I said I would just wait. She said I could redo it at register. She said it was a soft pull. I repeated to her that I only wanted to do it if it was a soft pull. The lady assured me it was not a hard inquiry. So I agreed. Once I hit submit it just did nothing on her screen. She said that meant they had more questions and would be in contact with me. I just wanted to check out at this point. Well of course today I received alert that I had hard inquiry on 11/22 and 11/23. I am just starting this journey and have worked hard to get to 643 EX 605 TU 642 EQFX but have a long way to go. Is there any way I can dispute the second inquiry? Or is it not worth the time. I have 13, yes 13 HI from when I applied for a auto loan (did get one) that I also was assured were not HI that are also on my CR Any direction/suggestions would be appreciated.

Re: Gander Mountain Inquiry

Skye12329 — Tue, 25 Nov 2014 00:07:01 GMT

Always assume for when applying for anything its a Hard Inquiry. Like 99% of credit apps are hard pulls.

As for disputing, the only thing I can think of is contacting the executive office. But otherwise inquiries are hard to gets rid of.

After 1 year a inquiry doesnt hurt your score. After 2 years that inquiry falls off. So if you wait 2 years it will be gone.

I work retail and sadly some of our cashiers lie to customers because they want that credit application or they just dont know what a Hard or soft pull is. Cashiers generally have a quota to meet and sometimes get paid for each application even if it's denied.

Re: Gander Mountain Inquiry

Creditaddict — Tue, 25 Nov 2014 01:20:49 GMT

The bad news is no you are stuck with it and although I love comenity if you don't have to call them and are approved, they are beyond a nightmare of a company if you need to call or don't get instant approval with the process in place.

The good news is you have 13 INQ, I believe the magic number is somewhere around 5 they stop counting against your score... I mean they are still there and "some" banks take issue to them but they are not doing anything to your score!

Re: Gander Mountain Inquiry

Anonymous — Wed, 26 Nov 2014 19:54:19 GMT

Thank you for your input. I am going to continue combing through the forums hoping to learn the best steps in rebuilding my credit.

Re: Gander Mountain Inquiry

Anonymous — Wed, 26 Nov 2014 19:55:34 GMT

Thank you for taking the time to respond. Lesson learned on taking someone's word for "soft" inquiry. I will continue trying to rebuild my credit.