topic Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull. in General Credit Topics

Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

lsumichelle — Fri, 28 Apr 2017 22:21:06 GMT

I recently contacted my Chase Freedom card company to request a credit limit increase. We just transferred all of our balances to the card, and I requested the increase so that the balance wasn't so close to the limit. All of our other cards our $0. When I called to request the increase, she asked if she could pull my credit report ..I asked if it was a hard pull or a soft pull and she said soft so I authorized. Then I get an alert from my credit report that a hard inquiry was just hit. Chase supervisors were no help and said nothing could be done other than that they would coach their employees better.

Is this something that can remotely be disputed? Since all of the calls are recorded..she says soft but it's actually hard? That's on record somewhere right? I have my local branch manager who said she'd investigate for me but told me it was very likely they couldn't do anything about it.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

Anonymous — Fri, 28 Apr 2017 23:36:57 GMT

I had the same issue when I signed up for Frontpoint. I complained and they checked their recorded calls and it was removed. Took about 30+ plus but it did get removed from my CR.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

lsumichelle — Fri, 28 Apr 2017 23:43:54 GMT

What does 30+ plus mean?

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

pipeguy — Fri, 28 Apr 2017 23:49:15 GMT

Did you get the CLI?

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

Revelate — Sat, 29 Apr 2017 00:42:50 GMT

Nothing can be done, actually this happens with frightening regularity.

Fact is any time you request a new account or a CLI should just expect an HP regardless of what the CSR says (if I had a penny for every time I read "My CSR said..." haha); always good to ask here over in CC Apps for example, I don't regularly pay attention there anymore since I'm sort of done adding credit cards but even I could've told you any customer-initiated request with Chase is a HP with 99.999% certainty.

Fortunately inquiries aren't a big deal in the algorithm but it sucks I agree.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

sarge12 — Sat, 29 Apr 2017 00:48:34 GMT

@lsumichelle wrote:
I recently contacted my Chase Freedom card company to request a credit limit increase. We just transferred all of our balances to the card, and I requested the increase so that the balance wasn't so close to the limit. All of our other cards our $0. When I called to request the increase, she asked if she could pull my credit report ..I asked if it was a hard pull or a soft pull and she said soft so I authorized. Then I get an alert from my credit report that a hard inquiry was just hit. Chase supervisors were no help and said nothing could be done other than that they would coach their employees better.

Is this something that can remotely be disputed? Since all of the calls are recorded..she says soft but it's actually hard? That's on record somewhere right? I have my local branch manager who said she'd investigate for me but told me it was very likely they couldn't do anything about it.

Actually you will probably find out it is a double pull from experien and equifax...at least that is what they did to me. If not, count yourself among the lucky few.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

Anonymous — Sat, 29 Apr 2017 00:59:45 GMT

If in the future you ever want to explore what issuers do hard pulls and which do soft pulls, this may help:

http://www.doctorofcredit.com/maximize-your-credit-limits-for-the-citi-gold-deal/

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

9CLINE — Sat, 29 Apr 2017 01:28:01 GMT

So far as I know Chase CLI are 99.9% HP there are bundles of info concerning this subject on the forum ,, Welcome to the board and the Freedom family...........

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

lsumichelle — Sat, 29 Apr 2017 01:39:02 GMT

Thank you for all of your very helpful responses and I wish I was a more frequent member of this board and would have checked here first. I've had my Freedom card forever which is why I keep it because it's one of my oldest cards. I'm not CC savvy enough to know that Chase was an automatic HP. My other cards are Discover and Capitol One and both of those are soft pulls (which of course as I'm sure you all know and has been discussed at great length here -- are online requests). Both of those cards actually have just increased without me even asking.

So when the customer service lady supervisor at Chase told me that, "ma'am anytime you request a limit increase it's a hard pull." I almost unloaded on her.

I am going to take a chill pill now and just walk away. I've just been working extremely hard on my credit score for a very long time and had all hard pulls off and have my one serious delinquency dropping off in August. I was at 769 before this debacle, hence my being livid. Another 2 years before the might 800. *rolleyes*

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

lsumichelle — Sat, 29 Apr 2017 01:56:33 GMT

I did not get the CLI. They said I would either get declined, accepted or pending and I got pending.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

Revelate — Sat, 29 Apr 2017 02:05:25 GMT

@lsumichelle wrote:
Thank you for all of your very helpful responses and I wish I was a more frequent member of this board and would have checked here first. I've had my Freedom card forever which is why I keep it because it's one of my oldest cards. I'm not CC savvy enough to know that Chase was an automatic HP. My other cards are Discover and Capitol One and both of those are soft pulls (which of course as I'm sure you all know and has been discussed at great length here -- are online requests). Both of those cards actually have just increased without me even asking.

So when the customer service lady supervisor at Chase told me that, "ma'am anytime you request a limit increase it's a hard pull." I almost unloaded on her.

I am going to take a chill pill now and just walk away. I've just been working extremely hard on my credit score for a very long time and had all hard pulls off and have my one serious delinquency dropping off in August. I was at 769 before this debacle, hence my being livid. Another 2 years before the might 800. *rolleyes*

Grin, if you have just one serious negative, which based on my file is a pretty major scorekiller, dropping off in August and you were already at 769 and that is a FICO 8 score, it ain't going to be 2 years before 800... I'd be very much surprised if you didn't reach that outright once it's gone.

Inquiries are not a big deal, at all, you'll be fine. Also they only count for one year anyway, but there's no comparing an inquiry with any "real" negative information like a late, collection, lien, or BK. Trust me, it'll be ok .

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

lsumichelle — Sat, 29 Apr 2017 02:12:10 GMT

I can't wait till it's gone. I feel like it's a cloud hanging over my head when 7 years ago I decided to fund Christmas with what I thought was an Amazon gift card. I always pay my bills on time and am very careful with credit but what's hurt me most is being an idiot.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

lsumichelle — Sat, 29 Apr 2017 02:12:25 GMT

And thank you.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

Anonymous — Sat, 29 Apr 2017 03:33:44 GMT

I meant 30 plus days.

Re: Advice: Regarding Chase customer service telling me soft pull when it was actually a hard pull.

Anonymous — Sat, 29 Apr 2017 03:37:03 GMT

If your 769 score is with one major baddie present, I have no doubt that in 4 months when it falls off and you move into a clean bucket that your scores will be 800+. I'd actually predict them more around 810-815, +/- 20 points or so depending on the rest of your profile.