topic Re: Can a bank pull my credit twice for one CC application? in Credit Card Applications

Can a bank pull my credit twice for one CC application?

Anonymous — Tue, 12 Dec 2017 23:22:29 GMT

Hello,

So I applied for a CC at citizens bank. They did a HP and my app was in pending status for 2 weeks before being denied. They wanted me to send them some documents which i sent a few days later. They sat on those documents for another week or so by which point it was the ~~31st~~ 30th day since my app and they then did another HP and denied me.

My question is can they do 2 HP for one app?

Has this happened to anyone else?

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Tue, 12 Dec 2017 23:18:27 GMT

I have read stories on here where applicants get 2nd HPed when they recon a denial, don't remember which issuer(s) but I'm sure it wasn't Citizens.

Re: Can a bank pull my credit twice for one CC application?

CreditCuriosity — Tue, 12 Dec 2017 23:26:25 GMT

Yes it happens.. Sorry it has happened to you. More likely if you asked to be reconsiderred as well from initial denial. Some lenders do this, some don't

Re: Can a bank pull my credit twice for one CC application?

kdm31091 — Wed, 13 Dec 2017 00:19:55 GMT

There is nothing that says they can't do it. It is annoying when it happens but it's within their permissions to do so.

Re: Can a bank pull my credit twice for one CC application?

woodyman100 — Wed, 13 Dec 2017 02:51:43 GMT

I’ve been HP’d 5 times for one app and 4 times for another a year later.

Both with Commerce bank. Decline both times.

NFCU got me for 5 or 6 times on one app. They HP’d me every time I submitted additional docs that were requested and called to inquire on status. Approved with an eventual tremendous relationship. Well worth it

Re: Can a bank pull my credit twice for one CC application?

RicHowe — Wed, 13 Dec 2017 03:46:00 GMT

AMEX HP a second time about 3 days after i was approved for the Platinum Card - checking to see if i was on an App Spree. Thankfully i knew better than to do that.

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Wed, 13 Dec 2017 04:39:50 GMT

When I was rebuilding, one of my first rebuilding cards was Capital One BuyPower. They needed endless docs to prove my identity and address. Took over 30 days. Thus they HP'd me a second time before approving me for a $750 starting limit on what has turned out to be the most useless card I have. I've warned others about this 30 day thing. You definitely don't want your app to run over 30 days with most lenders.

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Wed, 13 Dec 2017 04:57:54 GMT

Over the summer, I was instantly approved for an Arrival + card. Barclaycard hard pulled me upon initial application. I went to bed and woke up to another hard pull a mere 8-hours later.

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Wed, 13 Dec 2017 05:12:30 GMT

@Anonymous wrote:
When I was rebuilding, one of my first rebuilding cards was Capital One BuyPower. They needed endless docs to prove my identity and address. Took over 30 days. Thus they HP'd me a second time before approving me for a $750 starting limit on what has turned out to be the most useless card I have. I've warned others about this 30 day thing. You definitely don't want your app to run over 30 days with most lenders.

I want to add that both HPs were Equifax. It was not a "double pull due to credit review per se". It was a clear re-pull due to running over 30 days. Additionally, the 2nd pull was on the 35th day it appears.

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Wed, 13 Dec 2017 22:17:39 GMT

woodyman100 wrote:

I’ve been HP’d 5 times for one app and 4 times for another a year later.
Both with Commerce bank. Decline both times.

NFCU got me for 5 or 6 times on one app. They HP’d me every time I submitted additional docs that were requested and called to inquire on status. Approved with an eventual tremendous relationship. Well worth it

Wow that's crazy and here I was thinking even two was excessive. What was the reason for so many and did they ultimately stay on the report or did you manage to get them removed?

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Wed, 13 Dec 2017 22:21:15 GMT

Good DPs everyone.

Is there any possibility to dispute the additional HP as a duplicate and get it deleted?

Re: Can a bank pull my credit twice for one CC application?

Anonymous — Fri, 05 Jan 2018 07:13:37 GMT

@Anonymous wrote:
Is there any possibility to dispute the additional HP as a duplicate and get it deleted?

Anyone done this successfully?