topic Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!! in Credit Cards

COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 18:24:02 GMT

I'm so mad, I don't even know what to do...

I logged into USAA credit monitoring and refreshed all 3 reports.

A few days ago, I could not get the online CLI button to work, nor the phone system.

So I called, and they said they "could not access my credit reports".

I even got a letter stating such.

So today...there is a brand new inquiry on Exp!

I am livid! I obviously would not apply since I have one, and I DID NOT give them permission to pull my credit!

I am in the garden, and now they just added another hard pull that I already have too many of.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 18:34:02 GMT

Now I really AM MAD.

I called them, and even after talking to a supervisor, they said:

"We don't know how or why this happened, but if you call the bureau, they will glady remove it".

YA RIGHT!

Any bureau will tell you to contact the creditor.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 18:46:28 GMT

Anyone?

This really burns...I went into the garden full cold turkey, and they just ruined it.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 19:06:37 GMT

I have noticed that if someone is borderline, the credit agencey pulls more than one credit report.

For instance, say you have a 780 EQ report, Citi Bank may be happy with just that. However, if you have a 675 EQ report, Citi might just pull an Experian to double check. I get plenty of douple pulls because my file is so thin - whereas someone with a think file might only get a single pull.

Comenity seems to act this way with HPs vs SPs. I noticed some get SPs for cards like the Total Rewards and some get HPs - at least according to the threads.

I suggest you stop apping for credit. I realize its harder than it sounds as I just recently stepped out of the Garden myself when I probably shouldn't have. But it will help you in the long run.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 19:12:22 GMT

i understand the aggrevation, but this is something that can be easily fixed. First, always expect a HARD, regardless of what company it is. I've read recent posts about comenity doing HP's....so if you press the CLI, you have to expect it. You need to send a copy of your credit report to comenity, noting the issue, and they will then update and change with the CRA's.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 19:44:53 GMT

"I suggest you stop apping for credit."

I did?

I've had this card for 7 months.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 20:26:07 GMT

@Anonymous wrote:
"I suggest you stop apping for credit."

I did?

I've had this card for 7 months.

7 months you had this and they HP'd you? Wow, sorry I misread your post - I'd be fuming too!

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Creditaddict — Thu, 28 Aug 2014 21:17:23 GMT

you can pull a report from experian.com/dispute for adverse actions and dispute the INQ as no permission on that.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 21:23:55 GMT

Just got off the phone with a supervisor, they said all new CLI's are HPs...

Still, never told me that, never gave them permission.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Creditaddict — Thu, 28 Aug 2014 21:25:14 GMT

@Anonymous wrote:
Just got off the phone with a supervisor, they said all new CLI's are HPs...

Still, never told me that, never gave them permission.

they are stupid... although if you go through the reps it does seem to be but automated and online are for sure not hp's!!

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Involver — Thu, 28 Aug 2014 21:25:42 GMT

So you tried to use the CLI button but you dont give them permission to pull your credit?

Makes perfect sense.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 21:48:28 GMT

CLI button does not mention HP. Luv button was always SP.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Creditaddict — Thu, 28 Aug 2014 22:47:47 GMT

@Involver wrote:
So you tried to use the CLI button but you dont give them permission to pull your credit?

Makes perfect sense.

while obviously once you are a cardholder any bank can take a hp anytime they want and don't need to ask you and while asking for more credit you should always assume it's a hp... I'm with op on this one... comenity has never been hp's for cli and the reps are clueless and id be OVER IT

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 23:03:26 GMT

Policies change all the time.

People shouldn't touch the love button unless willing to go all the way.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Creditaddict — Thu, 28 Aug 2014 23:09:37 GMT

@Anonymous wrote:
Policies change all the time.

People shouldn't touch the love button unless willing to go all the way.

the lub button didn't result in the hp, an uninformed employee resulted in that... now op should have known better, it's been posted on here a couple times starting a couple months ago that calling in and speaking to those reps resulted in a hp when they have even said it woudln't before... but online and over the automated phone is still the same it's always been!

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

djshifted — Thu, 28 Aug 2014 23:10:48 GMT

I recently had the opposite problem with them. I've been getting my ute down lately, so I tried the luv button on the website (8/14) and got denied. They didn't HP or SP, they used a pull they had from 5/6, over 3 months old, which I believe is when I applied for credit for my dentist's office.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 23:23:03 GMT

"t's been posted on here a couple times starting a couple months ago that calling in and speaking to those reps resulted in a hp when they have even said it woudln't before..."

The rep was never able to do anything due to the "issue with my credit report".

No rep was ever able to successfully do a CLI.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 23:28:29 GMT

@Creditaddict wrote:
@Anonymous wrote:
Policies change all the time.

People shouldn't touch the love button unless willing to go all the way.
the lub button didn't result in the hp, an uninformed employee resulted in that... now op should have known better, it's been posted on here a couple times starting a couple months ago that calling in and speaking to those reps resulted in a hp when they have even said it woudln't before... but online and over the automated phone is still the same it's always been!

How many time have you read the love button didn't work, couldn't wait so I called customer service, and ended up with a hard pull story? This happens so much that it's really hard to blame customer service.

There's no substitute for time when it comes to fixing, building, or rebuilding credit.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Anonymous — Thu, 28 Aug 2014 23:42:15 GMT

Did some more calls.

VS (Comenity) won't do anything, they said to contact the creditor.

So I called EX.

They said they won't dispute INQ's unless they are fraudulent.

So now we move on...

1. Since the reps I spoke to were not able to do a CLI due to there being a "freeze" on my reports, I don't think anyone was able to do one.

2. None of the reps never said anything about a HP, or asked to pull my credit.

Re: COMENITY/ VICTORIA'S SECRET JUST DID A HARD PULL!!

Creditaddict — Thu, 28 Aug 2014 23:43:45 GMT

@Anonymous wrote:
Did some more calls.

VS (Comenity) won't do anything, they said to contact the creditor.

So I called EX.

They said they won't dispute INQ's unless they are fraudulent.

So now we move on...

1. Since the reps I spoke to were not able to do a CLI due to there being a "freeze" on my reports, I don't think anyone was able to do one.

2. None of the reps never said anything about a HP, or asked to pull my credit.

but do you really have a freeze on your reports? doesn't sound like it since a credit pull was done... it doesn't matter WHAT the reps said... they DONT KNOW what they are doing!