topic Re: HSBC did a Hard Inq... in Credit Cards

HSBC did a Hard Inq...

Anonymous — Thu, 22 Nov 2007 11:44:59 GMT

Happy Thanksgiving to all!

Pulled TC last night, saw HSBC did a Hard Inq on the 20th. Why? They do routine soft ARs but why would they do a Hard?

Oh well, I'll give them a hard time later, turkey & football for me today.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 21:37:27 GMT

Any updates?

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 21:46:31 GMT

Did you request a CLI? if not I would dispute.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 22:23:55 GMT

I posted about it in another thread I think. I called to dispute it but was unable to have it removed or recoded as soft.

They pulled the hard inq because I was late 2 days in Oct. It was punishment.

Since then I have requested that they combine my 2 cards. Once I receive the offer (via a letter, not instant) and combine the cards I intend to continue disputing the inq.

It's irritating, like swatting pesky flies.

Thanks for asking.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 22:25:00 GMT

Anderson wrote:
I posted about it in another thread I think. I called to dispute it but was unable to have it removed or recoded as soft.

They pulled the hard inq because I was late 2 days in Oct. It was punishment.

Since then I have requested that they combine my 2 cards. Once I receive the offer (via a letter, not instant) and combine the cards I intend to continue disputing the inq.

It's irritating, like swatting pesky flies.

Thanks for asking.

What a great company.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 22:54:48 GMT

Anderson wrote:
I posted about it in another thread I think. I called to dispute it but was unable to have it removed or recoded as soft.

They pulled the hard inq because I was late 2 days in Oct. It was punishment.

Umm, did they state that in writing or verbally only? If it's the former, talk to a lawyer. If it's the latter, what state are you in and do you have any hangups about recording your phone calls.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 22:56:33 GMT

Dont think they can do that... they can close or cld but no arbitrarily hard you.

Re: HSBC did a Hard Inq...

Red1Blue — Mon, 03 Dec 2007 23:17:58 GMT

BOA a did 3 hards on my CR when they issued 99/500 and when I disputed, they said it is legitimate inq and they will not remove it. My question was why 3 Inq's. They say it is legitimate inq and they will not remove. Do I have case to dispute this argument?

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 23:18:33 GMT

Noah_Bodie wrote-
Umm, did they state that in writing or verbally only? If it's the former, talk to a lawyer. If it's the latter, what state are you in and do you have any hangups about recording your phone calls.

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Verbally. I have no problem recording calls, heck most times you call a CCC CS you've already agreed to the call being recorded so my view is that I would not need to additionally inform them that I'm also recording, or I could simply ask "is this call being recorded?"

Brammy wrote-
Dont think they can do that... they can close or cld but no arbitrarily hard you.

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I agree & I intend to pursue it, just do not want to do anything till I get the combine offer. BTW, have a 5yr perfect payment hx with them, 1st time ever late & by 2 days. The inq really ticked me off.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 23:22:04 GMT

They can do that. You app'd for credit & gave them permission.

concorduser wrote:
BOA a did 3 hards on my CR when they issued 99/500 and when I disputed, they said it is legitimate inq and they will not remove it. My question was why 3 Inq's. They say it is legitimate inq and they will not remove. Do I have case to dispute this argument?

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 23:25:26 GMT

Did you app for another card to get the counter offer. Thatcould explain two but the third I would dispute. that will be kinda like calling a deaf cat. They did that to me opening a checking account and they are still there.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 23:42:53 GMT

I was assuming concorduser meant BOA pulled 1 inq from ea CRA. Different story If they did 3 on one CRA.

Brammy wrote:
Did you app for another card to get the counter offer. Thatcould explain two but the third I would dispute. that will be kinda like calling a deaf cat. They did that to me opening a checking account and they are still there.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 23:45:47 GMT

Never known BOFA to pull anything but EX.... now if it were all three, thats a different story but it would be the first I heard of them doing that.

Anderson wrote:

I was assuming concorduser meant BOA pulled 1 inq from ea CRA. Different story If they did 3 on one CRA.

Brammy wrote:

Did you app for another card to get the counter offer. Thatcould explain two but the third I would dispute. that will be kinda like calling a deaf cat. They did that to me opening a checking account and they are still there.

Re: HSBC did a Hard Inq...

Anonymous — Mon, 03 Dec 2007 23:52:39 GMT

BofA pulled TU last week for me. I'm in IL.

I wish they would have pulled EX. It might be an IL thing but the majority of my inquiries are TU.