topic Re: 2 hard pulls, same CC, same day in Credit Card Applications

2 hard pulls, same CC, same day

Sadie5150 — Thu, 01 Nov 2018 23:28:54 GMT

I applied for a credit card and was instant approved. Then looked at my CR two days later and that CC company pulled my Experian report twice that day, causing a FICO decrease twice as well. Can one be removed? Do I call the CC company? or would I have to dispute this with credit bureau.?

Re: 2 hard pulls, same CC, same day

Anonymous — Thu, 01 Nov 2018 23:36:13 GMT

I would call the card company. Did you join a credit union and then applied for a credit card? If so then the 2 pulls may make sense.

Re: 2 hard pulls, same CC, same day

Sadie5150 — Fri, 02 Nov 2018 04:07:12 GMT

No credit union. Applied directly with them. Thanks! I'll call them tomorrow

@Anonymous wrote:
I would call the card company. Did you join a credit union and then applied for a credit card? If so then the 2 pulls may make sense.

Re: 2 hard pulls, same CC, same day

titancylinder — Fri, 02 Nov 2018 04:24:56 GMT

Certain banks, like Branch Banking & Trust will pull two Equifax CB's. This will also happen if their computer can't make a decision and Bank Card Services has to evaluate the report. Sadly, theres nothing you can do about it . It's well within their rights when you request a credit account with them. Kind of like how capital one pulls all three. But, on rare occassions, they've only pulled 2 for me.

It's the price of credit with some banks.

Re: 2 hard pulls, same CC, same day

Loquat — Fri, 02 Nov 2018 11:09:01 GMT

OP, if you don't mind me asking...what lender is it that you're referring to? If you can provide the name maybe the forum can offer some insight as to the typical behavior of this lender...unless it's a local one-off type of place.

Re: 2 hard pulls, same CC, same day

Sadie5150 — Fri, 02 Nov 2018 14:57:59 GMT

Capital One quicksilver1 card. Instantly approved for $3k. They pulled my experian to approve. Then I got another alert later that night regarding an alert. Look at Experian account and they pulled it again, after I had already been approved.

Re: 2 hard pulls, same CC, same day

Jnbmom — Fri, 02 Nov 2018 15:00:28 GMT

Cap one pulls all 3 so expect EQ and TU will be hit too.