topic Re: Unauthorized Inquiry from Discover? in General Credit Topics

Unauthorized Inquiry from Discover?

Anonymous — Thu, 11 Dec 2014 17:32:21 GMT

My Discover card only has a $500 limit, and on Black Friday, I wanted to make some sale purchases. I already had a couple hundred on the card (end of the month, my daily spending stacked up) and didn't have room for it all, and not enough time for a payment to go through before the sales ended. I did a live chat with Discover online to talk about temporarily or permanently increasing my limit to make a couple purchases, specifically saying I do not want to proceed with the request if a hard pull on my credit is necessary. They asked a couple questions, said they'd need to do a hard pull, and said I would not like to proceed. They cancelled the request.

Fast forward to this week, both Credit Karma and Capital One Credit Tracker tell me I have a new inquiry. I just got approved for the Chase Freedom card, so I assumed it was that, but I see that both are reporting an inquiry from Discover marked 12/6. I did a live chat again with them a couple days ago to see what's going on. They confirmed that I did talk to someone about a credit increase, but the request was cancelled because I did not want a hard pull, and it should not result in an inquiry.

How should I proceed? It seems obvious this inquiry should not be here. Has anyone had a similar problem?

Re: Unauthorized Inquiry from Discover?

coldnmn — Thu, 11 Dec 2014 18:13:29 GMT

In most cases the conversation is recorded calling. I'm not sure about chat. I would call about it. You may get them to remove them but I wouldn't hold out much hope as they are allowed to for CLI without permission. The worst case have them use the HP and get a CLI. Good Luck!

Re: Unauthorized Inquiry from Discover?

Anonymous — Thu, 11 Dec 2014 18:44:16 GMT

@coldnmn wrote:
In most cases the conversation is recorded calling. I'm not sure about chat. I would call about it. You may get them to remove them but I wouldn't hold out much hope as they are allowed to for CLI without permission. The worst case have them use the HP and get a CLI. Good Luck!

I was thinking that....the inquiry wasn't a huge hit and I have a couple dropping off next summer, so maybe I should just take it and increase my CL. My only concern is that since they claim they didn't make the inquiry, if I ask for one, they'll make another inquiry. I'll call soon and hopefully get that figured out.

Re: Unauthorized Inquiry from Discover?

takeshi74 — Fri, 12 Dec 2014 13:18:26 GMT

If they confirm that it should not have led to a pull then see if you can get them to remove it.