topic Re: Auto CLI from Chase in Credit Cards

Auto CLI from Chase

dman23 — Sun, 24 Aug 2014 19:48:08 GMT

I recently got an automatic CLI from Chase. I'm looking at my Transunion report and it shows an inquiry from Chase on 7/6/13 which coincides with my CLI. Is this common? Can I ask them not to make any inquiries for CLIs? I may be looking to get a mortgage in the next 8-12 months and I don't want anything unnecessary to lower my score.

Re: Auto CLI from Chase

Skye12329 — Sun, 24 Aug 2014 19:50:38 GMT

It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.

Re: Auto CLI from Chase

B335is — Sun, 24 Aug 2014 20:42:57 GMT

@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.

If you didn't request it, I would ask Chase to remove it.

Re: Auto CLI from Chase

dman23 — Mon, 25 Aug 2014 01:32:29 GMT

@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.

I went to Experian and got my reports from all 3 credit bureaus and Transunion showed this inquiry. Now I just got my Transunion report from myFico and I don't see that inquiry. Now I'm confused.

I noticed this CLI simply from looking at my statement. There was no email and I didn't request it. I'll have to call them and see what that inquiry was for.

Thanks for your reply.

Re: Auto CLI from Chase

dman23 — Mon, 25 Aug 2014 01:33:25 GMT

@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.

I am going to call them and see what the credit inquiry was for.

Thanks for your eply.

Re: Auto CLI from Chase

mongstradamus — Mon, 25 Aug 2014 01:34:30 GMT

@dman23 wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
I went to Experian and got my reports from all 3 credit bureaus and Transunion showed this inquiry. Now I just got my Transunion report from myFico and I don't see that inquiry. Now I'm confused.
I noticed this CLI simply from looking at my statement. There was no email and I didn't request it. I'll have to call them and see what that inquiry was for.

Thanks for your reply.

When i got an auto cli from chase way back in january they sent an email about it and it was an sp cli. So would contact chase and see what they say.

Re: Auto CLI from Chase

myjourney — Mon, 25 Aug 2014 01:34:53 GMT

@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.

Where's it list

INQ's seen by others?

INQ's seen only by you?

Re: Auto CLI from Chase

dman23 — Mon, 25 Aug 2014 01:35:51 GMT

@mongstradamus wrote:
@dman23 wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
I went to Experian and got my reports from all 3 credit bureaus and Transunion showed this inquiry. Now I just got my Transunion report from myFico and I don't see that inquiry. Now I'm confused.
I noticed this CLI simply from looking at my statement. There was no email and I didn't request it. I'll have to call them and see what that inquiry was for.

Thanks for your reply.
When i got an auto cli from chase way back in january they sent an email about it and it was an sp cli. So would contact chase and see what they say.

Thanks, that's what I will do.

Re: Auto CLI from Chase

dman23 — Mon, 25 Aug 2014 01:40:24 GMT

@myjourney wrote:
@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.
Where's it list
INQ's seen by others?
Or
INQ's seen only by you?

This was on my TU credit report I got from Experian.

4: Credit Inquiries

Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

Re: Auto CLI from Chase

Skye12329 — Mon, 25 Aug 2014 01:42:41 GMT

It sounds like it was a SP, however you should see what chase says.

Re: Auto CLI from Chase

dman23 — Mon, 25 Aug 2014 01:45:09 GMT

@Skye12329 wrote:
It sounds like it was a SP, however you should see what chase says.

Thanks Skye. I think you're right as I don't see it on my TU report at myFico under Inquiries that may be affecting your FICO® score.

Re: Auto CLI from Chase

myjourney — Mon, 25 Aug 2014 01:47:50 GMT

@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.
Where's it list
INQ's seen by others?
Or
INQ's seen only by you?
This was on my TU credit report I got from Experian.
4: Credit Inquiries
Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

Pretty sure it was a SP

This is the problem with 3rd party reports ....not always accurate IMHO

Re: Auto CLI from Chase

dman23 — Mon, 25 Aug 2014 01:52:57 GMT

@myjourney wrote:
@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.
Where's it list
INQ's seen by others?
Or
INQ's seen only by you?
This was on my TU credit report I got from Experian.
4: Credit Inquiries
Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?
Pretty sure it was a SP
This is the problem with 3rd party reports ....not always accurate IMHO

Thanks I think you're right.

Re: Auto CLI from Chase

youngandcreditwrthy — Mon, 25 Aug 2014 14:40:28 GMT

Myfico is ALWAYS a better source than any of the fako sites, including CK.

Re: Auto CLI from Chase

-NewGuy- — Mon, 25 Aug 2014 15:05:06 GMT

@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.
Where's it list
INQ's seen by others?
Or
INQ's seen only by you?
This was on my TU credit report I got from Experian.
4: Credit Inquiries
Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?
Pretty sure it was a SP
This is the problem with 3rd party reports ....not always accurate IMHO
Thanks I think you're right.

It's conflicting information, I'd be confused too. The fact that your TU report shows it and myFICO doesn't indicates SP, but the text you provided above sounds like a HP.

Honestly, if it's on your TU report then don't take Experian, myFICO, etc word for it. Call TU directly and have them tell you whether it's a HP. Go straight to the source. They'll let you know immediately.

Re: Auto CLI from Chase

dman23 — Fri, 29 Aug 2014 17:47:19 GMT

@-NewGuy- wrote:
@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.
Where's it list
INQ's seen by others?
Or
INQ's seen only by you?
This was on my TU credit report I got from Experian.
4: Credit Inquiries
Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?
Pretty sure it was a SP
This is the problem with 3rd party reports ....not always accurate IMHO
Thanks I think you're right.
It's conflicting information, I'd be confused too. The fact that your TU report shows it and myFICO doesn't indicates SP, but the text you provided above sounds like a HP.

Honestly, if it's on your TU report then don't take Experian, myFICO, etc word for it. Call TU directly and have them tell you whether it's a HP. Go straight to the source. They'll let you know immediately.

Ah geez....I just realized the inquiry was from July of 2013, not 2014. Still confusing why it shows on TU report from Experian and doesn't show from myFICO TU report but I not that concerned now. The inquiry in 2013 was for an installment loan.

Thanks again everyone and sorry for not realizing the year right away.

Re: Auto CLI from Chase

Anonymous — Fri, 29 Aug 2014 18:53:56 GMT

@dman23 wrote:
@myjourney wrote:
@dman23 wrote:
@B335is wrote:
@Skye12329 wrote:
It wasnt a SP? Because i know on your report theres asection for SP inqs. Because i know with Chase its a SP if they email you stating would you like your limit increased to X amount if im not mistaken, because you didnt request an increase they offered it.

Unless you requested an increase then it would be a HP from them.
+1

If you didn't request it, I would ask Chase to remove it.
I am going to call them and see what the credit inquiry was for.
Thanks for your eply.
Where's it list
INQ's seen by others?
Or
INQ's seen only by you?
This was on my TU credit report I got from Experian.
4: Credit Inquiries
Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.

This is where that inquiry was.

Now I just got my credit report for TU from myFico and I don't see the inquiry at all?

I believe it's a SP. If Chase indeed wants to HP you, it should state very clearly (in the email) something like "by submittting your request you authorize us to obtain a copy of your credit report blablabla ..."