topic Re: WARNING Discover Pre-Qualification Hard Pull in Credit Card Applications

WARNING Discover Pre-Qualification Hard Pull

Anonymous — Fri, 09 Mar 2018 17:31:53 GMT

So a few days ago I posted asking for advice on what card to add to my portfolio based on what I currently hold and my goals regarding credit and one of the suggestions was checking out what I was pre qualified for at Discover.

5 Minutes later there I am on Discovers pre prequalification website putting in my info, ALAS on the bottom before you press submit it says in beautiful bold font "This will not impact your credit score". After reading the terms and conditions to make sure there isn't a hard pull involved I thought I should give it a shot. Loading....Loading....Loading....Oops were sorry something went wrong, please try again at a later time. Wasn't redirected to another page, didnt see any pre approvals, nothing but an error. Uhhh okay close tab, came back here and did some reading saw some inspirational CLI posts regarding Amex and thought I'd give it a shot. BAM! Increased my Blue ED card from 10400 to 20000 myself online on their page. Called Cap 1 and increased my Neiman Marcus CL to 7K from 3K. All soft pulls mind you, soft pulls. I'm doing all this to build a better portfolio for the CSR soon.

Happy as can be waiting for the new limits to report, check my email here and there then BAM! An email from MyFico, a balance change has been detected, I open the app and my Experian score went up by 5 points. CLIs still not reported no biggie (not that I expected it this early). This morning I wake up and check my emails and everythings still blurry but I see an email from myfico BOOYAH! Yeah right.

Alert - A new inquiry was added to your Experian credit report and I dropped 5 points. Lol bish wuh? First thing that went though my mind is some fraud bs. I open the MyFico app and guess who...Discover...So now I am scratching my head thinking I made sure there wasnt any hard pulls involved before doing the prequal what is going on? Call Discover and first they mention that I should not have received a hard inquiry, then they mention that there's a PENDING credit application??? I insist I wasnt even able to find out if I prequalify, nor was I redirected anywhere, nor did I fill anything else out. Just an error and I closed the page. Then they say that oh there isn't an application, that inquiry you're seeing isn't a hard pull at all its a soft pull. I insist I know the difference between a soft pull and hard pull, one of the latter would not drop my credit score nor show up on my credit monitoring apps. Then they say sorry sir were not sure why you are assuming the inquiry is a hard inquiry we dont see any hard pulls in our system matching your name and social. Lol. Offered to launch an investigation if I am still willing to pursue this matter and heck yeah launch that ish.

Contacted Experian and they confirmed that indeed HARD PULL was done by Discover. Call back Discover and explained the whole situation once more and informed them that Experian confirmed it was a hard pull, after adding a few other supervisors to my call they said they would expedite the investigation and call me back today or Monday.

TLDR if you don't want to. Discover Prequal gave me hard inquiry, be careful when checking to see if you prequalify with them.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Fri, 09 Mar 2018 18:26:19 GMT

Offhand, it sounds to me like something went wonky on Discover's end while you were checking for prequal offers and something got scrambled to make their computers think you were actually applying for a card, and did the hard pull. Hope you get it worked out!

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Fri, 09 Mar 2018 19:13:31 GMT

I'd think writing to Discover about the situation should work better than calling them. Along with the letter you can attach part of your credit report showing the inquiry listed as an inquiry "that may impact your credit score" or "shared with others" or so. Not just you may have better chance getting resopnded by someone who is more knowledgeable, but also that you have proof of communication you can show if you submit a complaint.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Fri, 09 Mar 2018 19:30:28 GMT

@Anonymouswrote:
So a few days ago I posted asking for advice on what card to add to my portfolio based on what I currently hold and my goals regarding credit and one of the suggestions was checking out what I was pre qualified for at Discover.

5 Minutes later there I am on Discovers pre prequalification website putting in my info, ALAS on the bottom before you press submit it says in beautiful bold font "This will not impact your credit score". After reading the terms and conditions to make sure there isn't a hard pull involved I thought I should give it a shot. Loading....Loading....Loading....Oops were sorry something went wrong, please try again at a later time. Wasn't redirected to another page, didnt see any pre approvals, nothing but an error. Uhhh okay close tab, came back here and did some reading saw some inspirational CLI posts regarding Amex and thought I'd give it a shot. BAM! Increased my Blue ED card from 10400 to 20000 myself online on their page. Called Cap 1 and increased my Neiman Marcus CL to 7K from 3K. All soft pulls mind you, soft pulls. I'm doing all this to build a better portfolio for the CSR soon.

Happy as can be waiting for the new limits to report, check my email here and there then BAM! An email from MyFico, a balance change has been detected, I open the app and my Experian score went up by 5 points. CLIs still not reported no biggie (not that I expected it this early). This morning I wake up and check my emails and everythings still blurry but I see an email from myfico BOOYAH! Yeah right.

Alert - A new inquiry was added to your Experian credit report and I dropped 5 points. Lol bish wuh? First thing that went though my mind is some fraud bs. I open the MyFico app and guess who...Discover...So now I am scratching my head thinking I made sure there wasnt any hard pulls involved before doing the prequal what is going on? Call Discover and first they mention that I should not have received a hard inquiry, then they mention that there's a PENDING credit application??? I insist I wasnt even able to find out if I prequalify, nor was I redirected anywhere, nor did I fill anything else out. Just an error and I closed the page. Then they say that oh there isn't an application, that inquiry you're seeing isn't a hard pull at all its a soft pull. I insist I know the difference between a soft pull and hard pull, one of the latter would not drop my credit score nor show up on my credit monitoring apps. Then they say sorry sir were not sure why you are assuming the inquiry is a hard inquiry we dont see any hard pulls in our system matching your name and social. Lol. Offered to launch an investigation if I am still willing to pursue this matter and heck yeah launch that ish.

Contacted Experian and they confirmed that indeed HARD PULL was done by Discover. Call back Discover and explained the whole situation once more and informed them that Experian confirmed it was a hard pull, after adding a few other supervisors to my call they said they would expedite the investigation and call me back today or Monday.

TLDR if you don't want to. Discover Prequal gave me hard inquiry, be careful when checking to see if you prequalify with them.

Sounds like a glitch happened to you. You should be able to get it taken off with an explanation to Discover. I wouldn’t worry too much. Just takes a little time to be fixed.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Fri, 09 Mar 2018 23:10:08 GMT

Appreciate your responses!

I got the call back from Discover confirming something indeed went wrong on their end and thanks to my sacrifice they caught the issue causing it. They confirmed the hard pull should not have happened and they are going to work on getting that resloved. Will see the inquiry off my credit report in 90 days or so.

Was dissapointed when it happened but also very pleased now with the customer service I received from Discover's end and I dont even hold a card by them.

Re: WARNING Discover Pre-Qualification Hard Pull

LuckyB338 — Fri, 09 Mar 2018 23:41:35 GMT

Keep us posted and from what you said I’m sure it’ll be taken off following the investigation. There were cases like this about a month back after disco updated the pre app tool. What troubles me is they pulled experian bc I’m positive they pull equifax for pre apps.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Fri, 09 Mar 2018 23:59:51 GMT

That is always my biggest panic when I do prequal checks.. that somehow I’ll get a hardpull. Hah. But I’m so glad you were able to catch it and they’re willing to fix it. Discover’s CS is top notch in my book. Yet to have an issue with them..

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Sat, 10 Mar 2018 00:41:49 GMT

Glad you were able to catch it. I'd def be flipping. That happened when I paid a collection with Cavalry Portfolio. All of a sudden I got a hard inquiry for loan installments. I had to go back and forth like you did. What a nightmare!

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Sat, 10 Mar 2018 02:29:29 GMT

I'm glad that Discover is working to correct the issue for you.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Sat, 10 Mar 2018 05:43:37 GMT

This EXACT thing happened to me about a week ago. I called and explained the scenario and they removed it right away.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Sat, 10 Mar 2018 09:40:36 GMT

Sucks that I still dont know what I prequalified for and I am just not willing to check again online. I get the prequals in the mail all the time so ill just keep my eye out if something interesting comes along.

i'll update once the inquiry is resolved, cheers and thanks for the responses!

Re: WARNING Discover Pre-Qualification Hard Pull

AverageJoesCredit — Sat, 10 Mar 2018 12:59:03 GMT

I would have checked with them to see if they would offer you a card for all the trouble

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Sat, 10 Mar 2018 16:39:45 GMT

I did the preapproval yesterday and a hp showed up on my EQ report this morning! I'm calling them now. Grrrr.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Mon, 12 Mar 2018 15:17:04 GMT

I ran the preapproval again this morning, made a selection, got approved (after having to provide ID verification), and now I'm waiting for the HP notifications.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Mon, 19 Mar 2018 18:43:38 GMT

Has anything happened? HP gone? Pre-qualified? Approved?

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Mon, 19 Mar 2018 19:28:36 GMT

Not yet, waiting for MyFico/CK/Experian to update report. Im still hesitant to check if I prequal and or apply, I just let it go for now.

Once HP is gone ill let yall know

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Wed, 21 Mar 2018 13:00:23 GMT

Update: I called Discover and they said that I would have to dispute with EQ. So I did the dispute online. 11 days and I still haven't heard anything, HP is still showing up. Should I be calling Discover back?

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Wed, 21 Mar 2018 19:09:11 GMT

@Anonymouswrote:
Update: I called Discover and they said that I would have to dispute with EQ. So I did the dispute online. 11 days and I still haven't heard anything, HP is still showing up. Should I be calling Discover back?

Correct me if I'm wrong but even in error does HP still stick I've not heard of anyone really able to remove a HP... From my own experiance I never could get one removed even sending a letter.

Re: WARNING Discover Pre-Qualification Hard Pull

Anonymous — Wed, 21 Mar 2018 21:02:59 GMT

Well that would be pretty unfair. I only did the preapproval checker, didn't actually apply for anything and it clearly says it will not affect my score and it did.

Re: WARNING Discover Pre-Qualification Hard Pull

CreditCuriosity — Wed, 21 Mar 2018 22:24:08 GMT

disputing an inquiry with a dispute to the CRA will comeback as inquiries are factual etc and nothing will happen.. You will have to get ahold of someone at discover and raise enough H*ll to get it recoded to a SP. No one ever will get a inquiry removed disputing it with a CRA, never heard of it happening

topic Re: *WARNING* Discover Pre-Qualification Hard Pull in Credit Card Applications

*WARNING* Discover Pre-Qualification Hard Pull

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topic Re: WARNING Discover Pre-Qualification Hard Pull in Credit Card Applications

WARNING Discover Pre-Qualification Hard Pull

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